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Financing, four ways.

Four kinds of financing, arranged through the lenders we work with every day. One application reaches all of them, and we come back with whichever one fits.

Amounts
$5,000 – $2,000,000
Decision
One business day
Credit check
No hard pull to apply

How it works

The same three steps whichever of the four you end up with.

  1. Where's your business registered?

    Canada
    United States

    1. Tell us about your business

    Where you trade, what you turn over, how long you've been going. About three minutes.

  2. Your file

    Statements · January – June6 months
    Certificate of incorporationverified
    Photo IDverified

    Read-only. Statements can't be used to move money.

    2. Connect your statements

    Six months of banking, your incorporation, a photo of your ID. That is the whole file.

  3. Choose your plan

    $6,058/week26 payments6 mo
    $4,038/week39 payments9 mo
    $3,029/week52 payments12 mo

    $125,000 advance · $157,500 total

    3. Choose how you pay it back

    A specialist quotes what your revenue supports, in dollars, before you sign.

One application. Both screens.

Start it on a laptop, finish it on the train. It is the same file either way, saved as you type, and it reopens wherever you left off.

The funding step of a Spark application in a browser: an amount of $120,000 and a one-line note about what it is for.
An approved application in the Spark iPhone app, showing the approved amount and a tracker.

Spark for iPhone. Same account, same application.