Three steps
How the money actually reaches you.
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
Apply
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
Compare
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
Get funded
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.
Common questions
Before you apply
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 revenue-based funding 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; revenue-based funding 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
One application. 50+ lenders. Fifteen minutes.
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.
