Just 3 steps to your small business loan

Learn about our offerings and apply today

Apply now


Step 1

Complete our application online, by phone, or in person

Step 2

Get a decision & customize your loan

Step 3

Get your funds in as little as 1 business day after approval

DreamSpring & partner products

DreamSpring works with a diverse group of business owners, each with unique needs and circumstances.  We are often able to provide loans when traditional sources cannot. We have the flexibility to work one-on-one with your business and welcome the chance to get to know you.

Credit Access

Startups or existing businesses with no credit or challenged credit history looking for business funding and coaching.

Loan range: $1,000 - $10,000

One-on-one customer service

Unsecured options

APR: 36%*

Presto loan

For startups or existing businesses looking for quick capital with a decision to fund in as little as one business day.

Loan range: $1,000 - $50,000

One-on-one customer service

Unsecured options

APR: 15% - 36%*

Small business loan

For entrepreneurs just getting started to established businesses looking to grow, we offer a wide range of term loan options that we customize based on your needs.

Loan range: $1,000 - $2,000,000

One-on-one customer service

Unsecured options

APR: 9%-24%*

SBA community advantage

Financing with a guarantee from the U.S. Small Business Administration for new and existing businesses who would otherwise be ineligible for a term loan.

Loan range: $50,000 - $250,000

Term: 12 - 60 months

Options for limited collateral

Interest Rate: Prime + 6% (simple annual)

Commercial real estate loan

For experienced entrepreneurs looking to purchase a location for their business, we offer owner-occupied commercial real estate business loans.

Loan range: $50,000 - $2,000,000

5-year term; 25-year amortization

Fixed-interest pricing

APR: 9% - 15%*

Credibly merchant cash advance

For established entrepreneurs that have a high volume of credit or debit card transactions with a daily repayment based on a percentage of their sales. This partner product is offered by Credibly.

Loan range: $5,000 – $400,000

Term: 3 - 18 months

Daily repayment

Estimated APR: 12%-70%*

Partner product
Where we fund
entrepreneurial dreams
Arizona, Colorado, Georgia, Nevada, New Mexico, North Carolina and Texas.