THE PROCESS
How It Works
From first call to funding — here's exactly what to expect when you work with Spearco.
Your Path to Funding
Quick Application — 15 Minutes
Submit your property details and project plan through our simple online form, or give us a call. We'll review your opportunity and provide initial feedback within hours.
Fast Approval — 24-48 Hours
Our local team evaluates your deal based on the property's potential, not just your credit score. If the numbers work, we'll issue a loan commitment letter quickly.
Smooth Closing — 5-10 Days
Once approved, we move fast to close. Our streamlined process means you can secure the property and start your project in days, not weeks.
Expert Support — Throughout
From funding to payoff, we're here to answer questions and provide the guidance you need for a successful project. Your success is our success.
LOCAL EXPERTISE
We Know Amarillo
As a local lender, we understand the Amarillo market inside and out. We know which neighborhoods are hot, what renovations add value, and how to structure loans that work for your investment strategy. When you work with Spearco, you're working with people who live here, invest here, and care about the community.