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Spark Business Lending

One application, offers from 50+ lenders, and a funding expert who reads them back with you. Below: what we have been writing about how business borrowing actually works, and the six programmes we arrange.

The writing

Nine pieces on how business borrowing works — what a rate is made of, what a line of credit is for, why cash flow kills more businesses than lack of profit. Written for owners deciding, not for search engines.

Three people round one tablet, going through the options.
Three people round one tablet, going through the options.

April 20, 2026 · Alexa Irving

10 Popular Small Business Financing Options

Finding the right financing for your small business can be overwhelming. With so many options available, understanding which solution aligns best with your business goals is essential.…

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A hand turning the sign in the door to OPEN.
A hand turning the sign in the door to OPEN.

April 14, 2026 · Alexa Irving

Getting a Small Business Loan May Become Easier

For small business owners, securing the right financing can feel like an uphill battle. Lengthy approval times, excessive paperwork, and strict requirements often stand in the way of growth.…

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An owner doing the month's books by the window.
An owner doing the month's books by the window.

April 5, 2026 · Alexa Irving

Mastering Small Business Cash Flow Management

Every small business owner understands the importance of managing cash flow. The movement of money in and out of your business can determine whether you thrive or struggle. When reserves…

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All nine pieces →

The six programmes

Every figure this office publishes. Together they span $5,000 to $5,000,000 — which is wider at both ends than the $10k–$3M this site used to print in its own headline.

The six programmes, with every figure this site publishes
ProgrammeAmountTermCostFunded in
Term Loan $10,000 – $1,000,000 Up to 36 months From 6% 24 – 48 hours
Line of Credit Up to $1,000,000 6 – 36 month draw term From 4.5% 1 – 2 days
Short-Term Business Loan $5,000 – $500,000 3 – 18 months Weekly or daily payments Same day
Working Capital Loan $10,000 – $500,000 3 – 24 months Not published 24 hours
Equipment Financing Up to $5,000,000 1 – 7 years Up to 100% financed 48 hours
Merchant Cash Advance $5,000 – $500,000 Repayment follows revenue Not published Same day

The merchant cash advance is not priced like the other five. It is bought at a discount on future sales rather than lent at a rate, which means settling it early does not make it cheaper — the amount repayable is fixed at the start. Any comparison that puts it beside an interest rate is comparing two different things, and the figure to ask for is the total repayable in dollars.

Common questions

Will applying affect my credit score?
No. The initial quote uses a soft pull, which does not affect the score. A hard inquiry only happens if you accept a specific offer and move forward with that lender.
How fast can I actually receive funding?
Most approved applicants have the money within 24 to 48 hours of accepting an offer. The short-term loan and the merchant cash advance can fund the same day; equipment financing, which has an asset to value, takes longest.
How much can I qualify for?
The six programmes span $5,000 to $5,000,000. Where a business lands inside that depends on its revenue, how long it has traded and which programme fits — which is why the honest answer before an application is a range.
What are the minimum qualifications?
Most programmes want a US-based business trading at least six months with consistent monthly revenue. Strong credit helps and is not always required; the merchant cash advance in particular is approved on card volume rather than on the credit file.
Is anything secured?
Equipment financing is secured on the equipment it buys. The other five are not. A personal guarantee is a separate question and is the lender's to require — no funding office can promise one away.
Are there any fees to apply?
No. Applying and receiving offers is free. Nothing is payable to Spark at any stage, whichever offer you take.

Apply

About fifteen minutes. One application reaches 50+ lenders, costs nothing, commits nothing and leaves no mark on the owner's credit score.

Rather ask somebody first? (844) 311-3511 or [email protected].