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
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
We are a brokerage rather than a lender. You send one application; it reaches the lenders most likely to fund that particular file, and the agreement you sign is with whichever of them does. What you actually sign sets out who the paperwork is with.
How it works
The same five steps whichever of the four you end up with.
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.
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.


Spark for iPhone. Same account, same application.
By trade
What a file looks like, and which of the four usually fits, in the trades we see most.