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Spark Finance connects Canadian businesses with Canadian lenders for working capital. The lender provides the funds and makes the decision. The lender pays us. You don't. You submit just one application. Our team reads what you sent, and we go out to our lenders ourselves. We bring back the offer that fits your business. Then you decide. Funding runs from $5,000 to $2,000,000, on terms of 6 to 72 months. Applying doesn't affect your credit. A hard credit pull happens only after you accept an offer. To apply, you need your business details and the papers you already keep: bank statements, your incorporation documents and photo ID. Statements are read-only. They can't be used to move money. Before you sign, the offer shows what you receive and what you repay in total. If you don't like the terms, you don't take them. Spark Finance is an Ontario corporation based in Toronto. We registered the company in September 2026, and the people who run it have worked in Canadian small-business finance for years. We have no connection to any other company called Spark Finance, including the one in the UK.
United States
4.0
4 reviews
No recent history of asking for reviews
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We’re a new software business. The team helped us put together our application as banks just wrote us off. These guys gave us an opportunity when others wouldn’t. Cannot thank the team enough. Mike is a legend!!
We had a client pay us late. Spark were able to organise same say payroll finance for us. We actually the offer within 30 minutes of applying. Diana was great to deal with
I met one of Spark's brokers at the Small Business show.
We're opening our second gym location and needed some extra cash for equipment. Spark are SUPER EASY to work with. Put me detaisl in once and got responseds from different banks.
Ask for a line of credit so you can pay off early without penalty!
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