HEADQUARTERED IN TAMPA · SERVING CLIENTS NATIONWIDE
COMMERCIAL FINANCING, CLEARLY NAVIGATED
Capital for the business you’re building.
Spearing Capital helps business owners and real-estate investors find the right path to funding—with financing for owner-occupied commercial and investor real estate, plus a broad range of business financing solutions.
Financing is subject to approval, underwriting, and program availability. Terms vary by transaction and financing provider.
TWO WAYS WE HELP
Real-estate financing
Owner-occupied commercial real estate, investor properties, bridge, fix-and-flip, and stated-income transactions.
Business financing
Business loans, lines of credit, equipment financing, SBA programs, receivables, purchase orders, and more.
Tampa headquartered
Nationwide reach
Multiple financing paths
Personal guidance
FINANCING SOLUTIONS
A clearer route to capital
Start with what you are trying to accomplish. We will help identify financing paths that fit the business, property, and transaction.
REAL ESTATE FINANCING
Commercial Real Estate
Financing for owner-occupied acquisitions, refinancing, renovation, and other commercial property needs.
REAL ESTATE FINANCING
Investor Real Estate
Solutions for investment properties, bridge needs, fix-and-flip projects, and stated-income transactions.
BUSINESS FINANCING
Business Loans
Financing options for growth, working capital, acquisitions, refinancing, and day-to-day business needs.
BUSINESS FINANCING
Lines of Credit
Flexible access to capital for recurring expenses, cash-flow timing, inventory, and emerging opportunities.
BUSINESS FINANCING
Equipment Financing
Finance or lease the equipment your company needs while preserving working capital for operations.
BUSINESS FINANCING
Specialty Financing
SBA, franchise, healthcare, receivables, purchase-order, term-loan, and merchant cash advance options.
WHY SPEARING CAPITAL
A financing conversation built around the deal.
No two businesses or properties are identical. We begin with the purpose, timeline, and transaction—not a one-size-fits-all product pitch.
Real-estate expertise
Financing solutions for owner-occupied commercial and investor real-estate transactions.
Broader options for business owners
Explore financing options for working capital, equipment, expansion, acquisitions, and other business needs.
One accountable point of contact
A focused conversation helps clarify the next step, required information, and available path forward.
HOW IT WORKS
Start with a conversation
01
Tell us the objective
Share the business need, property, requested amount, and timeline.
02
Review the path
We assess the transaction and identify financing paths that may apply.
03
Move forward informed
Understand the documentation, underwriting process, and next action.
COMMON QUESTIONS
Financing, without the guesswork
How does Spearing Capital help with financing?
We begin with the purpose, transaction, requested amount, and timeline, then help identify a suitable financing path. Available programs include commercial and investor real estate, business loans, lines of credit, equipment financing, and specialty financing.
Do you work with clients outside Florida?
Spearing Capital is headquartered in Tampa and serves clients nationwide. Program availability and requirements can vary by transaction and jurisdiction.
What information should I have ready?
Begin with the financing purpose, requested amount, desired timeline, and basic information about the business or property. The complete document list depends on the financing path and underwriting requirements.
Does submitting an inquiry guarantee approval?
No. All financing is subject to application review, underwriting, eligibility, and program availability. An initial conversation helps determine whether there may be a suitable path forward.
Let’s talk about what you’re financing.
A focused conversation is the fastest way to understand the transaction and identify the right next step.