SSpark

For businesses we've already worked with

Working capital, without starting from scratch.

We already hold your numbers. That means a straight answer on the first call, an application that's mostly filled in, and money in your account in days.

Three minutes to apply · No hard credit pull to get a number

Senior man standing by his storefront in an urban area, showcasing a local business.
Median decision
1 business day
$10k–$250k
Typical funding range
1 business day
Median time to a decision
6 months
Of statements — that's it
No hard pull
To find out what you qualify for

Who we fund

Operating businesses with real deposits. If you've funded with us before, we already know your numbers.

How it works

Four steps. Most of the work is already done before you pick up the phone.

01

We already know your business

If you've funded with us before, your file is on hand — revenue, payment history, what's still outstanding. No starting from a blank form.

02

A real number, not a teaser rate

Your specialist quotes what you actually qualify for, based on what your business can carry today. If the answer is no, we say so on the call.

03

Apply in about three minutes

Confirm your details, upload six months of statements, and submit. You'll see exactly where it stands the whole way through.

04

Funded in days, not weeks

Most files get a decision within one business day. Approved deals fund straight to your operating account.

You'll know the cost in dollars.

No compounding interest, no origination surprises. Before you sign anything you'll see the amount, the total payback, the payment, and how many payments there are. If it doesn't work for your business, don't take it — and we'll tell you when we think it doesn't.

  • One fixed cost, agreed up front
  • Weekly payments sized to your revenue
  • Early payoff available any time
  • A named specialist, not a queue
Example
$50,000

12 months · 1.25 factor

Total payback
$62,500
Weekly payment
$1,202
Cost of capital
$12,500
Payments
52

Illustrative only. Your terms depend on your revenue, your history with us, and what you're already carrying.

Questions

Does applying affect my credit?+

No. Submitting an application doesn't trigger a hard pull. If we get to final underwriting we'll tell you before anything happens that could.

What do I need to apply?+

Your business details, an estimate of monthly revenue, and the last six months of business bank statements. That's usually all of it.

How much can I get?+

It depends on what your revenue supports after what you're already carrying. Most businesses we work with land between $10,000 and $250,000.

What does it cost?+

You'll see the full cost in dollars before you sign — total payback, the payment amount, and how many payments. No compounding interest and no surprise fees.

How fast is funding?+

Most approved files fund within one to three business days of signing.

Can I pay it off early?+

Yes. Call your specialist and we'll quote an early payoff figure.

Find out what your business qualifies for.

Three minutes to apply. A real answer within one business day.