Direct lender identification. Sprint Funding is a direct small business lender. We underwrite, approve, and fund commercial financing from our own balance sheet. Licensing and registration information for the states in which we lend is available on request and on our disclosures page.
No guarantee of approval. All offers are subject to Sprint Funding's underwriting and credit approval. Amounts, rates, fees, and terms vary by creditworthiness, business history, industry, time in business, and other underwriting factors. Not all applicants will qualify, and submitting an inquiry does not guarantee an offer.
No warranty. Information on this site is provided for general informational purposes only and does not constitute a commitment to lend, an offer of credit, financial advice, tax advice, or legal advice. You should consult your own qualified advisors before entering into any financing arrangement.
How we are paid. Sprint Funding earns the interest and fees on the loans we make. We are not paid a referral fee or commission by a third party for the financing we extend. The cost of the financing itself is disclosed in the offer letter and loan documents you review and sign.
Rate and APR transparency. We disclose the all-in cost of every offer — interest rate or APR, origination, and any other fees — in writing before you sign. Where state law requires a specific commercial financing disclosure format, the disclosure is delivered alongside the offer in compliance with applicable law.
Commercial use only. All financing products referenced on this site are for commercial and business purposes only. Sprint Funding does not offer consumer loans, personal loans, residential mortgages, student loans, auto loans for personal use, or any other form of consumer credit.
State commercial financing disclosures. Specific commercial financing disclosures required by California (SB 1235), New York (Commercial Finance Disclosure Law), Utah, Virginia, Connecticut, Georgia, Florida, and other applicable jurisdictions are provided to qualified applicants at the time a financing offer is presented, in accordance with applicable state law.
SMS messaging. Sprint Funding sends SMS messages only to applicants who explicitly opt in by checking the SMS consent box on our contact form. Mobile opt-in data and consent are not shared with any third parties for marketing or promotional purposes. Reply STOP to opt out, HELP for support. See SMS messaging program terms for full details.
Equal Credit Opportunity. Sprint Funding is an equal opportunity lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, source of income, or any other classification protected by federal, state, or local law. The Federal agency that administers compliance with the Equal Credit Opportunity Act concerning Sprint Funding is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552.
California privacy rights. California residents have specific rights to access, delete, correct, opt out of sale or sharing, and limit the use of sensitive personal information under the CCPA and CPRA. See our privacy policy for details, or email scottie@sprintfunding.net to make a request.
Not a bank. Sprint Funding is a non-bank commercial lender. We do not accept deposits. Our financing products are not FDIC-insured.