Guides
The questions worth answering before you sign anything — written plainly, with the arithmetic shown.
Looking for something else? Help centre — How to apply and how to use Spark, on the website and in the app. · Writing — News and argument about Canadian small-business lending.
- September 10, 2026What working capital actually costsHow to read a funding offer in dollars instead of rates, and the three numbers that decide whether it is worth taking.2 min read
- September 8, 2026How much can my business actually borrow?Why the number comes from your deposits rather than your revenue, and the four things that move it up or down.3 min read
- September 8, 2026Why we ask for six months of statementsWhat an underwriter actually reads in your bank statements, and why it is usually better for you than a credit score.2 min read