HOW IT WORKS
A clearer path from financing need to next step.
Every request is different, but the process should not feel mysterious. Spearing Capital helps organize the opportunity, narrow the relevant options, and move the request through the appropriate review.
Begin with context
The purpose, amount, timing, and circumstances matter before any product name does.
Match the information
Documentation should correspond to the financing path and the facts of the request.
Expect a review
Applications remain subject to underwriting, verification, eligibility, and current program availability.
Review the full structure
Compare total cost, term, repayment, conditions, and tradeoffs—not only the headline payment.
THE PROCESS
Six stages from conversation to closing
The exact sequence can vary by transaction, but these stages provide a practical view of what to expect.
01
Start with the objective
Tell us what you are financing, the amount you are considering, why the capital is needed, and the desired timing.
02
Complete an initial fit review
We organize the facts and identify financing categories that may align with the business, property, transaction, and available documentation.
03
Gather the right information
You receive a focused list of documents and details relevant to the path being considered instead of a generic request for everything.
04
Submit the application
The request moves into the appropriate application process with the supporting information needed for a formal review.
05
Work through underwriting
Additional questions, verification, valuation, due diligence, or revised documentation may be required as the request is evaluated.
06
Review terms and complete closing
If approved, review the final structure and requirements carefully, satisfy closing conditions, and complete the transaction.
PREPARING FOR THE CONVERSATION
Bring the facts you have
REAL ESTATE REQUESTS
Property and transaction details
- Property type and location
- Purchase price or estimated value
- Current occupancy and income
- Renovation or construction plan
- Requested amount, timing, and exit strategy
BUSINESS REQUESTS
Business and cash-flow details
- Use of funds and requested amount
- Time in business and industry
- Revenue and recent performance
- Existing obligations or collateral
- Timing and documentation currently available
TIMING
What can affect the pace of a request?
- Completeness and accuracy of submitted information
- Property appraisal, valuation, title, or environmental review
- Business financial review and verification
- Transaction complexity and third-party coordination
- Underwriting questions and closing conditions
No timeline is guaranteed. Requirements and processing time vary based on the transaction, program, underwriting, and responsiveness of all parties.
Process questions
Do I need every document before the first conversation?
No. Start with the information you have. After the initial review, you can receive a more focused list based on the financing category being considered.
Does an initial conversation guarantee an approval?
No. An initial discussion helps identify potential paths. Approval depends on a completed application, verified information, underwriting, eligibility, and current program availability.
Why might additional information be requested?
Underwriting may need clarification, updated financial information, third-party reports, transaction documents, or evidence that closing conditions have been satisfied.
What should I review before accepting financing?
Consider the amount, total cost, rate or factor, term, repayment frequency, fees, collateral, guarantees, prepayment provisions, closing conditions, and effect on cash flow.
Ready to describe the opportunity?
Start with the purpose, amount, and timing. We will help organize the next step.