Call usCanadian owned and operated
A decision in one dayfrom someone who read it
$5k to $2Mterm loans, credit lines, equipment
Access capital for your business today.
Canadian owned · $5,000 to $2,000,000
A marketplace hands your file to a list and leaves you to it. You apply once, a person here reads what you sent, and we go out to our lenders ourselves.
- You send one application.
- A funding specialist here reads the file.
- We take it to our lending partners.
- The money arrives in your account.
What we can get you.
Short term and long, secured and not. One application reaches all of it, and a specialist tells you which one your numbers actually support.
Term loans
A fixed amount, a fixed schedule, and nothing pledged against it. The straightest answer when you know the number and the timeline.
- Amount
- $5,000 – $2,000,000
- Term
- 6 – 60 months
Revenue-based line of credit
Draw what you need, pay for what you draw, and the limit moves with your revenue. For months that are uneven, not short.
- Amount
- Up to $500,000
- Term
- Revolving
Asset-based lending
Your receivables, inventory or equipment doing some work while you still hold them. Security usually prices better than an unsecured facility.
- Amount
- $50,000 – $2,000,000
- Term
- Revolving or fixed
Equipment financing
The oven, the van, the line. Financed against the thing itself, so the payment sits against what the thing earns.
- Amount
- $10,000 – $1,000,000
- Term
- 12 – 72 months
One application covers all four. A specialist tells you which fits.
How it works
You can see where the file stands at every step, from the first day to the money landing.
Where's your business registered?
CanadaUnited States1. Tell us about your business
Where you are based, what you bring in, how long you have been going. About three minutes of typing.
Your file
Statements · January – June6 monthsCertificate of incorporationverifiedPhoto IDverifiedRead-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.
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.
About ten minutes, most of it finding your statements.
You'll know the cost in dollars.
Whatever the product, you see the same three numbers before you sign: what you get, what you repay in total, and every payment in between. Our fee is paid by the lender.
Your quote
No compounding, no renewal pressure. When the last one clears, it's finished.
Questions
No. Spark is a brokerage. We read your file, take it to the lenders we work with, and negotiate on your behalf. You deal with us; the money comes from whichever lender offers the best terms, and we tell you which one it is before you sign.
Still deciding? Talk to a specialist — no application required.
See what you qualify for.
About ten minutes, most of it finding your statements. Applying never touches your credit score.