Term loans
$25K – $5M · 1–10 yrs
A lump sum with predictable monthly payments. Ideal for expansion, acquisitions, or large one-time investments.
Business funding
Capital that moves as fast as your business.
Tell us about your business once. Spivy matches you with lenders and funding partners who compete to fund you, from $10K to $5M.
- No impact to your credit score
- Free to apply, 2 minutes
- Offers in as little as 24 hours
New offer matched
$85,000 line of credit
24h
average time to first offer
75+funding partners in our network
$10K–$5Mfunding amounts available
24 hrsaverage time to a first offer
$0cost to apply and compare
How it works
One application. Multiple offers. You choose.
We built Spivy so you never have to fill out ten lender forms again. Apply once and let the funding come to you.
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1
Apply in 2 minutes
Answer a few questions about your business and what you need. No documents required to get started.
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2
Get matched with offers
Our matching engine compares your profile against lender criteria and surfaces the options you're most likely to qualify for.
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3
Choose and get funded
Compare rates, terms, and timelines side by side. Pick the offer that fits and get funded in as little as a few days.
Funding options
Every kind of capital, in one place
Whether you need a cushion for payroll or a loan for a second location, there's a product built for it.
Business line of credit
$10K – $500K · revolving
Draw what you need, when you need it, and pay interest only on what you use. Perfect for cash-flow gaps.
SBA loans
$50K – $5M · up to 25 yrs
Government-backed loans with some of the lowest rates and longest terms available to small businesses.
Equipment financing
$10K – $2M · 2–7 yrs
Finance vehicles, machinery, or technology with the equipment itself as collateral. Often up to 100% financed.
Invoice financing
Up to 90% of receivables
Turn unpaid invoices into working capital today instead of waiting 30, 60, or 90 days to get paid.
Revenue-based financing
$10K – $1M · flexible
Repay as a percentage of monthly sales. Payments flex with your revenue, so slow months stay manageable.
Who we help
Built for the businesses that build communities
From Main Street to the warehouse floor, Spivy works with partners who understand your industry.
Why Spivy
We work for you, not the lender.
- Transparent comparisons. See total cost, term, and speed for each offer, in plain language.
- Soft credit pull only. Checking your options never affects your personal credit score.
- A real human when you want one. Funding advisors are available to walk you through your offers.
- Your data stays yours. We share your application only with partners you choose to proceed with.
Apply now
Let's find your capital.
Three short steps. No documents needed yet, and no impact to your credit score.
Likely matches
- Answer the questions to preview the products you're likely to qualify for.
256-bit encrypted. We never sell your information.
Customer stories
Owners who found their next chapter
“I'd been turned down by my bank twice. Spivy had three offers in my inbox the next morning, and the line of credit let us open our second location in May.”
Maya R.Owner, Daybreak Café
“The comparison view is what sold me. I could actually see the total cost of each option instead of guessing. We financed two new trucks in under a week.”
Daniel O.Founder, Ridgeline Hauling
“Our busy season is three months long and payroll doesn't wait. Revenue-based financing through Spivy matched how our cash actually comes in.”
Priya S.CEO, Lumen Event Co.
FAQ
Questions, answered
Does applying affect my credit score?
No. Checking your options uses a soft inquiry, which is not visible to other lenders and does not change your score. A hard inquiry only happens if you choose to finalize with a specific lender.
What does it cost?
Applying and comparing offers on Spivy is free. We're compensated by our funding partners when you accept an offer, and that never changes the rates or terms you're shown.
What do I need to qualify?
Requirements vary by product. Many partners work with businesses that have at least six months of operating history and $10,000 or more in monthly revenue, but options exist for newer businesses and a wide range of credit profiles.
How fast can I get funded?
Most applicants see first offers within one business day. Lines of credit and revenue-based financing can fund in as little as 24 to 72 hours after acceptance. SBA loans typically take several weeks.
Who sees my information?
Your application is reviewed by Spivy and shared only with partners whose criteria you match. We don't sell your data, and you decide which lender you ultimately work with.
Ready to see what your business qualifies for?
It takes two minutes, it's free, and it won't touch your credit score.
Get funded