Trust built through execution
We bring institutional discipline and boutique responsiveness to every deal — with 75 million + deployed and a record of delivering on time.
"An investment firm that understands how to navigate an urgent timeline."
– Previous Borrower
THE FIRM
Debt and Equity Capital for Real Estate Developers and lower-middle market Companies
Spruce Financial Group is a Southeast-based private investment firm focused on direct lending, co-sponsored real estate finance, and customized growth capital to lower-middle market businesses and real estate developers.
we are committed to growth
Real Estate Developers
seeking co-sponsor equity or bridge loans.
Business Owners
needing fast, growth-focused capital.
Debt Brokers & Investment Bankers Protected
who value speed, transparency, and execution.
The Difference
We make direct investments with speed and integrity
In-House Capital
Internal capital supports speed and flexibility.
Fast and Fair Diligence
Close in as little as 10 days.
Flexible Deal Structures
Custom terms for real estate and business lending.
Transparent Structures
Clear and concise terms with no surprises.
Investment Criteria
Direct Business Lending
Flexibility to make bridge loans to lower-middle market companies and other borrower types when banks and other firms can’t.
Real Estate Project Financing
Strategy is centered around identifying market inefficiencies, recapitalizing or repositioning of assets to maximize property cash flows.
Growth Equity & Mezzanine Debt
Customized capital solutions for a wide range of corporate needs for lower-middle market companies.
Investment Criteria
Fueling opportunities with the right capital
Companies headquartered within the United States
Experienced management with effective financial controls and systems
Identifiable capital mandates and inflection points
Sufficient collateral coverage for credit investments
Let’s build something that lasts.
Whether you're ready to start a conversation or want to learn more, we’re here to help.
