We offer capital based on future sales (receivables), not secured to collateral. Most of industries funded.

Funding up to $2,000,000.

Get funds quickly, often in 24 hours.

Flexible payment terms adjusted to your sales.

Prequalify in under two minutes.

A business line of credit is a versatile financing solution that lets you access funds up to a predetermined credit limit. The money is usually deposited as cash into your business checking account. You can withdraw only what you need, when you need it, and interest is generally charged only on the amount you use. Much like a business credit card, a revolving line of credit replenishes as you repay, making the funds available again for future use.

Funding up to $100,000

Withdraw what you need, when you need it. You’ll only be charged interest on the funds you withdraw.

Receive your money within seconds when you make a withdrawal.

We report to business credit bureaus, which helps build business credit history with on-time payments.

Prequalify in under two minutes.

A business term loan gives you a lump sum of cash upfront, which you repay over a fixed period, or term. These loans typically feature fixed interest rates and consistent payment schedules, providing small business owners with stability and predictability as they grow their operations. Qualified borrowers can access term loans for substantial amount of funding, with flexible and extended repayment terms with lower attached interest.

Funding up to $10,000,000.

Term up to 10 years.

Monthly payments.

Interest rate based on federal government interest rates.

Streamlined application process.

Helps build business credit.

We provide consulting and support for unsecured personal loans to individuals who meet certain credit and financial criteria. There are no upfront fees streamlined process and focused on meeting clients needs.

Business ownership is not required, based on personal finances and income.

Funding up to $500,000.

Term up to 6 years.

Monthly payments.

Managing credit is an integral part for most adults, but we understand that it also sometimes gets out of hand. This is why we are committed to our white-glove approach when it comes to helping our client repair or improve their credit. Either you are trying to improve your personal finances or trying to make the next business purchase, we can help you improve the terms you are presented with.

Improvement of personal or business credit score.

Removal of derogatory remarks from credit history.

Increases in credit limits.

Lowering credit utilization.

Sputnik Capital offers additional wide variety white-glove financial services to individuals and businesses, helping them achieve financial success and growth. Reach out to our team to discuss how we can be your financial strategic partner.