One application. One direct decision.
Sprint Funding is a direct small business lender. We underwrite in-house and fund term loans, lines of credit, equipment financing, SBA loans, and invoice factoring from our own balance sheet. One application, one decision, real capital.
- No hard credit pull to pre-qualify
- Underwriter on the call, not a script
- Real terms before you sign
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Talk to an underwriter at (555) 123-4567
- $5M
- Largest single loan we make
Indicative ranges. Each deal is sized to fit.
- $500M+
- Funded for small businesses
- 10,000+
- Owners funded
- $5M
- Largest single loan we make
- All 50
- States we lend in
Funding products we underwrite
Five commercial financing products, originated and funded by Sprint Funding. We help you compare apples to apples and pick what actually fits.
Small Business Term Loan
A traditional installment loan from Sprint with a clear amortization schedule and predictable monthly payments.
Learn moreBusiness Line of Credit
A revolving credit line from Sprint you can draw from, repay, and reuse as you go.
Learn moreEquipment Financing
Finance trucks, machinery, kitchen equipment, medical and dental gear. The equipment secures the deal.
Learn moreSBA Loans
SBA-guaranteed loans from Sprint, with longer terms and lower payments for qualifying borrowers.
Learn moreInvoice Factoring
Sell your B2B invoices to Sprint and get most of the value up front, with the remainder paid when your customer pays.
Learn moreHow funding actually happens
Real steps, real underwriting, no surprises.
Tell us about your business
Five minutes on a quick form or a short call. No hard credit pull, no obligation.
We underwrite in-house
Your underwriter reviews the file, asks any questions directly, and walks you through the offer in plain English — including the all-in cost.
Sign and fund
You sign the loan documents, we wire the funds, and you go execute your plan.
Why owners choose Sprint
Three things that show up on every deal we fund.
Real underwriting, real authority
You will not be passed between intake, a coordinator, and a decision-maker. The person who reads your file is the person who can say yes.
Our capital, our risk, our underwriting
Sprint funds from one balance sheet. That means terms that are not getting marked up by an intermediary, and accountability for the outcome of every loan we make.
No surprises, ever
We will not stack you, will not run a hard pull without telling you, and will not push a product that does not fit. The deal you see is the deal you sign.
Industries we know inside out
A quick look at the businesses we fund every day. We work with most industries, including a dozen more not listed here.
- Restaurants and food serviceCover payroll between busy seasons, finance a buildout, replace a walk-in cooler, or open a second location.
- Retail and specialty storesBulk up inventory before the holidays, refresh fixtures, or smooth out cash flow when foot traffic dips.
- Trucking and logisticsBuy or repair tractors and trailers, fund fuel and maintenance, or factor freight invoices to keep wheels turning.
- Construction and tradesBridge the gap between mobilization and progress payments, finance equipment, and bond up for bigger projects.
- Medical and dental practicesFund new chairs, imaging, and tenant improvements, or smooth receivables waiting on insurance payers.
- Auto repair and body shopsAdd a lift, expand a paint booth, stock parts inventory, or buy out a partner.
Frequently asked questions
Is Sprint Funding a lender?
Yes. Sprint Funding is a direct small business lender. We underwrite in-house and fund from our own balance sheet. Sprint, not a third party, makes the approval decision and wires the money.
What does it cost to work with Sprint Funding?
Nothing extra on top of the loan. Our compensation is the interest and fees on the loans we make. You always see the cost of the financing itself, in writing, before you sign anything.
What credit score do I need?
It depends on the product. Term loans, lines of credit, equipment financing, and SBA loans generally want a personal FICO of 650 or better, with some flexibility on stronger files. Invoice factoring looks more at your customers' credit than yours. We work with what you have and tell you straight what fits.
Will applying hurt my credit?
Pre-qualification is a soft pull and does not affect your score. If we move to a hard credit decision, we tell you in advance so there are no surprises.
See what your business qualifies for.
Tell us a little about your business and we will come back with options that fit. No obligation, no spam, no surprises.
By submitting your information you agree to our privacy policy. SMS messages are sent only if you opt in. Reply STOP at any time.