Our Services
Fast, Flexible Business Funding—Tailored to You
At SpotEm Capital, we specialize in helping small to mid-sized businesses get the capital they need—quickly, securely, and with minimal hassle. Whether you’re looking to cover payroll, invest in new equipment, or manage unexpected expenses, we’ve got a funding solution that fits.
Working Capital Loans
Get the cash you need to keep your business running smoothly. Our working capital loans are ideal for covering daily expenses, purchasing inventory, or handling short-term gaps.
Key Benefits
Quick approval
(24–48 hours)
Flexible repayment terms
No collateral required
Merchant Cash Advance
If your business processes credit card payments, you can access funds fast based on your sales. Repayments are automatically deducted as a small percentage of daily sales.
Key Benefits
Retail stores
Restaurants
Service-based businesses
Equipment Financing
Upgrade or purchase the equipment your business needs without straining your cash flow. Finance new or used equipment with affordable, fixed monthly payments.
Key Benefits
Construction tools
Kitchen equipment
Medical devices
​Business Line of Credit
Need ongoing access to funds? Our revolving lines of credit offer flexibility—you borrow what you need, when you need it, and only pay interest on what you use.
Key Benefits
Flexible Access to Funds
Pay Interest Only on What You Use
Revolving Credit for Ongoing Needs
Why Choose Us?
Fast Approval
Apply in minutes—get funded in as little as 24 hours.
Transparent Terms
No hidden fees or confusing contracts
Dedicated Support
Our funding specialists are here to guide you every step of the way.
All Credit Welcome
We work with a wide range of credit profiles. Your potential matters more than your past.