ABOUT SPEARING CAPITAL
Commercial financing, approached with clarity.
Founded in 2020, Spearing Capital & Consulting Inc. helps business owners and real estate investors understand their financing options and move forward with a clearer plan.
2020
Founded with a focus on commercial financing.
Tampa
Headquartered in Florida and serving clients nationwide.
Two Focus Areas
Real estate financing and business financing.
OUR ROLE
Make a complex financing landscape easier to navigate.
Businesses and property transactions rarely fit a single template. Spearing Capital begins with the purpose of the capital, the circumstances surrounding the request, and the outcome the client is trying to achieve. That context helps narrow a broad range of possibilities into a practical starting point.
WHAT WE DO
Financing for property, operations, and growth
REAL ESTATE
Property-focused financing
Solutions for owner-occupied commercial property, investor real estate, rentals, renovations, bridge transactions, multifamily, mixed-use, and qualifying construction projects.
BUSINESS
Capital for business priorities
Options for working capital, equipment, expansion, receivables, purchase orders, SBA-eligible purposes, franchise needs, healthcare practices, and other qualifying priorities.
OUR APPROACH
A disciplined process from first conversation to next step
01
Understand
Begin with the objective, timing, transaction details, and business or property profile.
02
Organize
Identify the information and documentation needed to evaluate the request efficiently.
03
Evaluate
Review relevant financing categories, requirements, costs, terms, and tradeoffs.
04
Advance
Move the request into the appropriate application and underwriting process.
WHAT CLIENTS CAN EXPECT
Commercial perspective without the boilerplate.
- Attention to the facts that make each request different
- Plain-language explanations of options and tradeoffs
- A process shaped around the transaction, not a generic script
- Respect for timing, documentation, and business priorities
- Clear expectations: every request remains subject to review and approval
Bring us the financing objective.
We will help organize the request and identify the most relevant place to begin.