Financing Options

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Small Business Loans

Simple. Fast. Convenient.
With a small business loan, you will receive a lump sum of working capital to use for your business. This is a hassle-free financing option where a fixed payment amount will be automatically deducted from your business bank account every day, week, or month. You can get a small business loan as small as $5,000 or as large as $500,000 and receive funding in as little as 24 hours. 


If you're interested in a Small Business Loan, contact SPICA Financial, LLC today. Give us a call: (865) 999-1544
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Loan Amounts

up to $500,000

Terms

1 - 10 Years

Rates

Starting at 6.99% and Up

Speed

24 hours to 10 days plus
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Business Line of Credit

Get Working Capital When Your Business Needs it the Most.  
Get a business line of credit up to $5,000,000 with no hidden fees. This is essentially a revolving access to credit, where you can draw approved funds whenever you need them – you don’t have to withdraw it all at once. You will only be responsible for repayment of the outstanding combined balance on the withdrawn amount plus any interest that may be charged.

Contact SPICA Financial, LLC to learn how a Line of Credit can help your business grow. Give us a call: (865) 999-1544.
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Loan Amounts

up to $5,000,000

Terms

10 - 25 Years

Rates

as low as 9.95%

Speed

Up to 30 Days
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SBA Loans

Long-Term Flexibility.
 
A Small Business Administration Loan or SBA Loan is partially guaranteed by the U.S. government, and helps businesses receive working capital while securing long repayment terms and low interest. SBA loans are great for businesses seeking working capital to expand to a new location, make payroll, or buy inventory. The reason why SBA loans generally have much lower rates is because lender risks are minimal due to partial government guarantee.


For more information about SBA Loans, call the experts at SPICA Financial, LLC today. Call: (865) 999-1544.
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Loan Amounts

up to $5,000,000

Terms

10 - 25 Years

Rates

as low as 8.25%

Speed

as little as 30 days
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Equipment Financing

Upgrade Your Equipment and Free Up Your Working Capital.

Sometimes, getting the right equipment for your business requires extra working capital. Our equipment financing option can help you lease new or pre-owned equipment that’s crucial for running your business. There are no limitations; only YOU decide what equipment your business needs. You can get up to $150,000 in funding to finance virtually any type of equipment.

Contact SPICA Financial, LLC for all of your Equipment Financing needs. Call: (865) 999-1544.
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Loan Amounts

up to $100,000,000

Terms

flexible

Rates

starting at 5.25%

Speed

as soon as 10 days
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Factoring

Facilitate Your Immediate Business Needs.
 
Convert your business invoices into immediate cash advances with our Invoice Factoring loan. It takes anywhere from 30 to 90 (or more!) days for most businesses to receive payments from their customers. If you can’t wait that long since you have employees to pay or other immediate business needs, we can help. With our Invoice Factoring option, you can get quick access to funds up to $10 million by submitting your outstanding 30, 60, or 90 day invoices.

Interested in learning more about Factoring? Call SPICA Financial, LLC today, (865) 999-1544.
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Loan Amounts

up to $5,000,000

Terms

6 - 24 Months

Rates

as low as 8.99%

Speed

as little as 24 hours
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Bridge Loan

Fast Funding and Flexible Repayment Options.
 
A bridge loan is a short-term loan that can alleviate short-term cash flow problems. Whether you are waiting to get paid from customers, purchasing new equipment, or need cash for unexpected circumstances, a bridge loan can provide the funding you need fast. Bridge loans are a great lending option for businesses that need money right away with flexible repayment options.

Call SPICA Financial, LLC to see if you're eligible for a Bridge Loan. Call now: (865) 999-1544.
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Loan Amounts

$15,000 - $5,000,000

Terms

6-24 Months

Rates

8.99% - 29.99%

Speed

as soon as 48 hours

Learn More About Your Financing Options

Contact us today to speak to a business loan consultant.
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