No jargon, no runaround, and no pressure. You have one straight conversation, and we bring you direct offers from our private funding partners, the kind of capital you will not find on the open market or at a run-of-the-mill shop. Then we tell you straight which one fits and what it truly costs. Here is exactly how it goes.
Five steps, start to finish. Most of the work is ours, and the parts that need you are quick.
We start with a short conversation about your business, what you need the funding for, and where things stand. No long application to fill out, and no impact to your credit to get started.
Takes a few minutesYou share a few recent bank statements, and we actually read them. We look at how your cash flows, what you can comfortably carry, and what our funding partners look for, so the offers we bring you are real, not guesses.
A real person, not a formWe match your file to the private partners who fit your profile, and come back with direct offers, not a pile of maybes from a hundred places. You see the amount, the payment, the term, and the true cost of each, laid out plainly in one place.
Direct offers, not a file blastWe walk you through which option fits and why, in plain language. If one product is clearly better for you, we say so. If nothing on the table is a good deal right now, we tell you that too, instead of pushing you into something that does not fit.
Honest, every timeOnce you choose, we handle the back and forth with the partner, push for the best terms, and manage the paperwork through to funding. Money typically lands quickly, and we are still here after the deal closes.
We do the heavy liftingNothing complicated. Having these handy lets us move fast and bring you real options on the first pass.
Usually your last three to six months of business bank statements. This is the heart of how funding gets approved.
Roughly how long you have been operating. More history opens more options, and even a few months can qualify.
A ballpark of your monthly or annual revenue. Your numbers tell us what you can comfortably carry.
The reason you want funding, whether that is growth, equipment, a cash gap, or simplifying existing debt. It shapes the right fit.
A bank can only sell its own shelf. A broker shop blasts your file to anyone who will take it. We are neither. We bring you direct offers from a private network most owners never get to see.
Our offers come from private funding partners we have built real relationships with over years. This is capital and structure you will not find advertised, or sitting on a bank's menu.
Our partners give us direct offers because of our standing and track record with them. That credibility becomes leverage we put to work on your deal, the kind a faceless portal or a first-time shop simply does not have.
Your details do not get scattered to a dozen funders who then flood you with calls. We bring your file only to the partners who fit, and that is it.
Comparing your options with Spark is free, and there is no obligation to take anything we bring you. You can talk to us, see your real numbers, and walk away. That part costs you nothing.
When you move forward on an offer, the cost of that funding is set by the funding partner, and we always show it to you plainly before you sign. You will never see a surprise fee from us, and you will never be steered toward a worse deal because it pays us more.
If a particular offer carries any cost that would land on you, we put it on the table up front and explain it, so there are no surprises later.
It depends on the type of funding. Faster products can move from conversation to money in your account within a day or two. More involved options, like an SBA loan, take longer because of the paperwork and underwriting. We give you a realistic timeline up front so you know what to expect.
No. Getting started and comparing your options does not affect your credit. We can show you a clear picture and straight answers first. A hard credit pull only happens later, with your go-ahead, if you decide to move forward on a specific offer.
Getting our straight read and seeing your offers costs you nothing. The cost of any funding you take is set by the funding partner, and we show it to you plainly before you commit. If an offer ever carries a cost that falls on you, we put it on the table up front rather than burying it.
Then we tell you. If the options on the table are not a good deal for your business today, we will say so, explain why, and often point you toward what would put you in a stronger position to qualify later. We would rather give you a straight answer than close a deal that does not serve you.
It ranges widely depending on your revenue, time in business, and the product, from around $20,000 up to several million for the right business and structure. The honest answer for your specific situation comes once we have looked at your numbers, which we are glad to do at no cost.
One conversation is all it takes to get your real options on the table. No cost, no obligation, and a straight answer either way.