Getting started
How to get a small business loan, step by step
The full process from figuring out what you need to choosing the right offer, in plain English.
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Spark Funding lays out your real funding options in plain language, lines of credit, term loans, SBA, equipment, and more, then goes to work getting you the one that fits. You see the whole picture before you decide anything.
No jargon and no pressure. Each option comes with a guide and a clear "best for," so you can see where it fits before you ever fill out a form.
A few quick questions or a short call. You get straight answers with no form required, so you understand the landscape first.
We read your numbers the way our funding partners do and bring you the funding you actually qualify for, side by side, with the tradeoffs on each.
We bring you the options that fit, handle the back and forth with the funder, and get you funded. You decide, on your terms.
Most comparison sites are a faceless machine that sells your number to a dozen callers. Spark is the opposite.
One dedicated advisor who knows your file from start to finish, not a call center reading from a script.
Our offers come from private funding partners we have earned over years, the kind of capital you will not find advertised or sitting on a bank's menu.
You understand every option before you sign. If funding is the wrong move right now, we will tell you.
Your details go only where you approve them. No deluge of cold calls the minute you ask a question.
Clear, no-spin explainers on how business funding actually works, written by people who do these deals every day.
The full process from figuring out what you need to choosing the right offer, in plain English.
When a lump sum beats flexible credit, and when it is the other way around.
Why a 1.3 factor rate is not what it sounds like, and the math that shows your true cost.
The lowest-cost money on the market, who it is for, and what the process really looks like.
The numbers that decide your approval, explained so you can fix them before you apply.
How to tell if rolling several positions into one payment helps you, or just resets the clock.
A cash advance is quoted as a factor rate, not an interest rate, which hides what you really pay back. Plug in your numbers and see the true cost in seconds.
More tools are on the way, including a loan payment calculator and a consolidation savings estimator.
This is the raw cost of capital before any fees, shown for education. Your actual terms will vary by funding partner, term, and business profile. It is not an offer.
If you are already funded and the payments are getting tight, consolidation can combine multiple positions into a single, more manageable payment. We will look at your numbers and tell you straight whether it actually helps, or whether a different move makes more sense.
Start with a guide, or get every option you qualify for in one straightforward conversation. No cost, no obligation, and no pressure to take anything that does not fit.