• Fix and flip
  • Home Improvement
  • Down Payments
  • Commercial and Residential
  • Land purchases
  • Apartments / Multi-family Investment 
  • Landlord emergencies
  • And moreā€¦
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  • Apply Online
  • 1 or 2 Days Processing
  • Review Quote
  • Accept Offer
  • Schedule Compliance Call (via email)


Twenty-Spot Loans is a personal and business lender via affiliate (The Funding Company). There are many different types of borrowing available.

NO VERIFICATION LOANS do not require verification of income, employment or assets; only credit report. Special military funding qualifies at scores as low as 620.

CASH only PERSONAL LOANS require a minimum score of 670 and proof of income. Funding takes place 7-10 days after submitting the contract. Interest rates are normally between 6-9% depending on the credit information, and with a 3-5 year term.

Products Personal and Business Funding + $20,000-$200,000; Working Capital Loans + Up to $100,000; Unsecured Lines of Credit + Up to $250,000; Unsecured Term Loans + $25,000-$500,000; Equipment Loans + $25,000-$150,000; AR/Invoice Financing + Up to 95%; Commercial SBA Loans + Up to $5,000,000.


  • No upfront fees
  • No application fees
  • Fast Approval in 2 Business Days
  • Alternative lending strategy that is helpful to borrowers
  • Pre-qualification application takes one minute
  • Many No doc loans available

MCA FUNDING is the fastest, usually delivered in one day. $7500/month minimum revenue to qualify and four of the most recent business bank statements must be submitted for approval.

BUSINESS TERM LOANS are fully documented. These loans require two years tax returns, the four most recent bank statements and additional documents may be necessary. Interest rates are normally low, falling between 6-9%.