$5,000 to $5,000,000 · 50+ lenders
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.
Start the application (844) 311-3511
No obligation to take any offer that comes back.
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.
April 20, 2026 · Alexa Irving
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.…
April 14, 2026 · Alexa Irving
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.…
April 5, 2026 · Alexa Irving
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…
The six programmes
Every figure this office publishes. Together they span $5,000 to $5,000,000.
A lump sum repaid over a set period, at a rate that does not move.
A revolving limit you draw against, repay, and draw against again.
Fast capital with a clear payoff date, measured in months rather than years.
Liquidity for payroll, rent, stock and the weeks that do not line up.
The largest and the longest: up to $5M, over as much as seven years.
A sum against future card sales, repaid as a share of them.
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.
Three steps
Three steps, and the only one that can touch your credit score is the last — and only if you take an offer forward.
Step 01
About fifteen minutes online, across six screens: what the business is, how long it has traded, what it takes, what the money is for. Nothing is payable and nothing is committed. It is a soft credit pull and does not affect the owner's score.
Step 02
One application reaches 50+ lenders. A funding expert goes through the offers with you — what each one costs, how it repays, and which of the six it actually is. Nothing obliges you to accept any of them.
Step 03
Once an offer is accepted the money goes to the business account: same day on two of the programmes, 24 to 48 hours on the rest. A lender may run a hard credit inquiry at this stage, which is the first point anything touches the owner's score.
What owners say
Three owners, in their own words, on what the process was actually like.
Common questions
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.
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.
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.
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.
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.
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 talk to somebody first? (844) 311-3511.
