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Whatever your financial needs are - we got you covered!

CapSpot Financial provides working business capital based on your business’ projected future sales. Businesses in high-risk industries, with financial problems or bad credit, can be approved without any collateral.


If you are still not sure what solution is right for your company, that’s what we do. We analyze your financial and organizational situation and determine what financing options are right for you.

Business representative

Term Loan

Specified monthly repayment schedule

Businesses with strong credit histories secure term loans at the very best rates available, between 7.9% and 24.99%. The rates vary based on your industry, how you will use the funds, your credit rating, and the overall financial health and profitability of your business.

Equipment Finance

Putting a lien on equipment to obtain funds

Equipment financing is a fast and straightforward way to fund up to 100% of the value of the equipment. Use our tax calculator to help identify your savings, first-year depreciation, and deductions.

Car Factory
Buying a House

Mortgage Financing

Get your mortgage under control

The rates are based on security, the length of the loan, the loan to value ratio, and your credit. If you currently own or are looking to purchase commercial property, also consider how much income the property produces, and if there is any debt on the property.


An advance collateralized by your business' outstanding invoices

Your organization has already rendered the services to your customer. You are just waiting to get paid. Factoring means you get paid right away instead of waiting for your customer to pay.

Small Business Owner
A Crane Lifting a Container

P.O. Financing

An advance collateralized by your business' purchase orders

You sell your organization’s purchase order amounts to a third party to obtain the funds necessary to satisfy the order. Rates are based on the security of the order, length of funding, and your credit rating.

Credit Servicing

Fix your FICO score in a heartbeat

An improved credit rating allows merchants and individuals to qualify for better funding, lease/rentals, and insurance rates. To improve your credit, PMF removes problematic entries from your credit history.

Working Mom
Credit Cards

Credit Card Processing

A staple for today's businesses

Now you can process credit and debit card payments with state-of-the-art terminals, including wireless and online capabilities. All with the best rates on the market.

Gamer with Headphones


An internet presence is required to do business in today's market

Search Engine Optimization (SEO) increases the possibility your potential customers find your website using Google, Bing, Yahoo, or other search engines. SEO ensures your website appears in their search results.

HR/Payroll Services

Largest small business payroll management service nationwide

Instantly preview required cases before finalizing payroll to avoid costly surprises. Reduce expenses and increase convenience as you process payroll anytime, anywhere, even on your phone.

Local Business Partners

MCA / Working Capital

An alternative to traditional bank loans

Applying for a merchant cash advance (MCA) is a fast and convenient process with minimal paperwork and the opportunity for same-day funding availability. Funding amounts range from $2,000 to $2,000,000.

Line of Credit

Fast approvals are available to provide instant access to funds

A flexible loan to provide small business owners with a defined amount of money that can be accessed as needed and repaid either immediately or over time. Funds are revolving and can be accessed repeatedly without reapplying.

Paying for Groceries
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