Support
A person, not a form. If something is wrong with your application, the fastest way through is to call.
Talk to us
- By phone
- (555) 010-0100 · Monday to Friday, 9am–6pm Eastern
- By email
- [email protected] · we answer within one business day
Have your reference to hand if you have one — it looks like SPK-XXXXXX and is at the top of your application.
Closing your account
You can close your account from inside the app at any time: Account, then Close your account. It asks for your password, because it cannot be undone.
It deletes your name, email, phone and address, your password, every device signed in, and any application you never sent — along with the documents attached to it, removed from our storage as well as our database.
Applications you did send us are kept. We are required to be able to answer for a file we underwrote, so it is held against the business rather than against you, with your personal details removed. The app tells you exactly how many of each before you press anything. If you would rather we did it for you, email [email protected].
Questions we get a lot
- How long does a decision take?
- Most come back within one business day of us having everything. If something is missing we ask for exactly that and nothing else.
- Does applying affect my credit?
- There is no hard credit check when you apply. Anything we show you before an underwriter has looked is indicative, and every screen that shows a number says so.
- Why do you need six months of bank statements?
- They are what an underwriter actually reads. Statements are also the one thing that has to be current, which is why a repeat application carries everything else across but asks for these again.
- Can somebody else fill part of it in?
- Yes. A business applies, not a person. Invite the people who hold the information — the bookkeeper with the banking login, the partner who signs. Everyone on your team can fill an application in; an owner sends it.
- I started on my laptop. Can I finish on my phone?
- Yes. It is the same application either way, saved as you go, and it reopens wherever you left off.
- Something changed after I sent it.
- Once an application is sent it is fixed — what we decided on has to be what you sent us. Call us and we will sort it out.
The legal bits
Spark Finance. Funding is subject to underwriting; nothing shown before a decision is an offer.