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Small Business Loans (SBA)

Getting a small business loan with the right terms is easier when it is backed by a Small Business Administration program. An SBA loan can offer you lower interest rates and better repayment terms. It is a useful way to fund your small business so it can grow faster than ever before.

Accounts Receivable Financing

When we approve an account for factoring, you will enjoy several benefits. 

  • Cash in as little as 24 hours

  • No personal guarantees

  • No fixed payments

  • Increases in funding as your receivables increase

  • No arbitrary board decisions

  • Available funding to complete large or unexpected orders

Cash Advances (Bankroll)

We offer advances against your future credit card sales. If you run a large number of credit card sales, you can receive those funds ahead of time to purchase inventory or pay your bills on time. 

  • Fast funding

  • Little paperwork

  • No application fee, equity loss, fixed payments or closing costs

  • Simple and efficient payback without collateral

Unsecured Business Line of Credit

For companies earning established revenues, we also offer unsecured business lines of credit. We offer a line of credit equal to a percentage of the annual revenue based on the owners’ credit. 

  • No need for collateral

  • Excellent rates

  • Revolving access to funds

Equipment Financing 

  • Application only to $150,000. No financial statements necessary.

  • Middle market financing up to $500,000

  • Large ticket over $500,000

  • Little or No Down Payment

  • Numerous Payment Structures

What We Offer

Purchase Order Financing

Getting financing for your purchase orders through Spectre Capital Finance offers numerous benefits. 

  • Grow your business without needing to take on debt

  • Handle all your orders, even if they are large or unexpected

  • Ensure on-time delivery for your customers

  • Get funds quickly

  • Take on new market share

Commercial Real Estate Financing

Spectre Capital Finance is dedicated to devising funding solutions that work for a variety of businesses. Browse our selection of commercial real estate financing solutions to find the one that best meets your needs.

Healthcare Financing

Healthcare financing offers you an affordable alternative to general bank loans. Whether you’re a dentist, veterinarian, chiropractor or other medical provider, discover the benefits of specialized financing through Spectre Capital Finance.

  • Wide range of applications

  • No personal credit bureau reports

  • Upfront payments not necessary

  • Terms up to 72 months

Franchise Financing

Take advantage of our pre-qualification process to discover the benefits of our financing quickly. Our loans provide you with a number of competitive advantages, including:

  • Low rates

  • Fast commitments and closing

  • Terms as long as 25 years

  • No penalties for prepayment

  • Up to 90% LTV

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Take Control of Your Finances Today. Contact Us for Expert Financial Guidance!

Why us

Spectre Capital Finance has been helping families and businesses achieve important financial goals throughout the Maryland, D.C and Virginia region.

Our process starts with a foundation of security and protection, as defined by extensive discovery with our clients. Once your needs and goals are clearly identified, we utilize world-class business lenders and investment companies to help our clients implement their plan.

Financing That Fits Your Business

The key to successfully managing the growth of any business is managing the working capital available for new projects and investments. Capital allows you to keep cash flowing, free up resources to expand your volume of business, or even to branch out into offering new goods and services. Finding the right balance of business loans and other commercial finance solutions is the key to making sure you have access to the right kinds of credit when you need that working capital.

Programs For Your Specific Industry

Spectre Capital Finance has a variety of financial products and loan programs that serve specific industries. For example, healthcare and medical financing, franchise financing, small business loans, purchase order financing, and merchant cash advances. In addition to these fine-tuned and niche-specific packages, we also offer common financial products used in every industry.

Products Built To Grow With You

All our financial products scale to the size of our clients, which means we are ready to help large, established companies as well as small businesses and mid-sized regional corporations. That also means we will be ready to help you grow when the time comes, so you don’t have to worry about outgrowing your credit resources. For more information, contact us today.


Get In Touch

Spectre Capital Finance is a nationally recognized leader in non-bank financing, providing capital to businesses and real estate investors in all 50 states.

We approach our investments and clients with a “partnership approach” where we act as your commercial capital consultant to identify your capital need and provide the right solution to solve that capital need.

We have been helping families and businesses achieve important financial goals throughout the Maryland, D.C, Virginia area and beyond.

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