SPEC is a private capital and equity firm committed to two goals: providing secured capital to qualified borrowers, and maximizing returns for our group of investors whom we consider strategic partners. We live in Louisiana, and we work in Louisiana. We believe in keeping our business local so that we can know our borrowers and our investors can know their collateral. We offer a variety of loan products including residential and commercial real estate, automobile, consumer lines of credit, home equity lines of credit (HELOC), and small business. We have the ability to offer investors returns well above average in a marketplace where safe investments can earn less than 1%. We meet the capital needs of borrowers whose financing has been declined or limited due to strict banking regulations. Additionally, SPEC is interested in purchasing small business and real estate equity in situations in which equity is the optimal capital method for all parties.