FINANCING OPTIONS
Financing shaped around the opportunity.
Whether you are financing a property, strengthening cash flow, acquiring equipment, or preparing for growth, the right starting point is the purpose of the capital—not a one-size-fits-all product.
START WITH THE NEED
What are you financing?
Choose the path that best matches the transaction. If the need crosses categories, start with a conversation.
PROPERTY & INVESTMENT
Real Estate Financing
For owner-occupied commercial property, investment property, acquisitions, refinancing, renovation, bridge needs, and time-sensitive opportunities.
- Commercial real estate loans
- Investor real estate loans
- Fix-and-flip financing
- Bridge financing
- Stated-income real estate financing
OPERATIONS & GROWTH
Business Financing
For working capital, equipment, expansion, acquisitions, receivables, inventory, franchise needs, healthcare practices, and other business priorities.
- Business and term loans
- Business lines of credit
- Equipment financing
- SBA and specialty financing
- Receivables and purchase-order financing
REAL ESTATE PROGRAMS
Financing for the property and the plan
Commercial Real Estate
Purchase, refinance, renovate, or reposition owner-occupied commercial property.
Investor Real Estate
Financing for income-producing and investment-property transactions.
Fix-and-Flip
Capital for qualifying acquisitions, renovation plans, and resale strategies.
Bridge Financing
Shorter-term financing for timing gaps and time-sensitive property transactions.
Stated-Income Real Estate
Property-focused options for qualifying transactions with alternative documentation needs.
Unique Transactions
Discuss property types or transaction structures that do not fit a standard category.
BUSINESS PROGRAMS
Capital for operations, growth, and opportunity
Business financing options vary by use, business profile, documentation, and timing. The first conversation helps narrow the field.
Business & Term Loans
For defined investments, expansion plans, acquisitions, and other business priorities.
Lines of Credit
Flexible access to capital for recurring or changing business needs.
Equipment Financing
Finance or lease business equipment while preserving working capital.
Accounts Receivable
Use eligible receivables to support cash flow and operating expenses.
Purchase-Order Financing
Support qualifying supplier costs tied to customer purchase orders.
Merchant Cash Advance
An alternative financing structure based on qualifying future business receipts.
SBA Financing
Explore SBA-backed options for eligible business purposes through participating lenders.
Franchise Financing
Financing options for qualifying franchise acquisitions, openings, and expansion.
Healthcare Financing
Capital options for qualifying medical practices, equipment, acquisitions, and expansion.
A SIMPLE START
Three steps toward a clearer financing path
01
Describe the need
Share the purpose, amount, timing, and key details about the business or property.
02
Review possible paths
We identify financing categories that may fit and explain the likely documentation required.
03
Take the next step
Move forward with the appropriate application and underwriting process.
Financing options: common questions
How do I know which option fits my situation?
Start with the purpose of the capital, requested amount, desired timing, and whether the request centers on a business or property. Those details help narrow the available categories.
Do you serve clients outside Tampa?
Yes. Spearing Capital is headquartered in Tampa and serves clients nationwide. Program availability and requirements may vary by transaction and jurisdiction.
Will I need the same documents for every program?
No. Documentation depends on the financing category, requested amount, business or property profile, and underwriting requirements. You will receive a more specific list after the initial review.
Are rates, terms, or approvals guaranteed?
No. Financing is subject to application review, underwriting, eligibility, and program availability. Rates and terms vary by transaction and provider.
Not sure where your request fits?
Tell us what you are financing. We will help identify the most relevant place to begin.