Sparks Family FinanceBusiness Capital
Sign inGet funded

Home/How It Works

From application to funded, step by step.

No mystery, no chasing. Here is exactly what happens, what we need from you at each stage, and roughly how long each one takes.

Day 1

Application

A short form: what you need, roughly how much, and the basics about your business. We run a soft credit pull, which does not affect your score. There is no fee and no obligation.

What we need from you

  • Two minutes of your time
  • An estimate of monthly revenue

Day 1 – 2

Conversation

We call you. This is the part most online lenders skip, and it is where the money is made or lost — we are trying to understand what problem the capital is actually solving before choosing an instrument for it.

What we need from you

  • One honest conversation about the business

Day 2 – 4

Documents

We request only what the specific lenders we are targeting require. Usually three to six months of business bank statements; longer-term products add tax returns and financials. You upload them once, to your portal.

What we need from you

  • Bank statements
  • Tax returns for larger or SBA files

Day 3 – 10

Offers

You see the real terms side by side — amount, rate or factor, term, payment, and total dollar cost. We tell you which one we would take and why, including when the answer is "none of these right now."

What we need from you

  • A decision, once you have the numbers

Closing

Funding

We handle the closing paperwork with the lender and stay on the file until the money lands. Timing depends on the product: twenty-four hours for an advance, up to ninety days for an SBA loan.

What we need from you

  • Signatures

After

The relationship

Your portal stays open. We track your payoff, flag when you qualify for better terms, and are the first call when the next opportunity shows up. Most of our work comes from businesses we funded before.

What we need from you

  • Nothing — we check in

Timelines

How long it really takes.

Anyone promising you a single number for “business funding” is selling one product. These six differ by orders of magnitude.

Merchant cash advanceAs fast as 24 hours
Line of credit24 – 72 hours
Equipment financing1 – 5 business days
Invoice factoring1 – 3 business days
Term loan3 – 10 business days
SBA loan30 – 90 days

Questions

About the process.

How much does this cost me?
Nothing up front. We are compensated by the lender when a deal funds, and we disclose that compensation to you. If a deal does not close, you have paid nothing.
Why does a broker beat applying directly?
Because the difference between lenders is invisible from the outside. Two lenders with nearly identical marketing will have completely different appetites for your industry, your time in business, and your credit profile. Applying directly means guessing — and each guess is a hard inquiry.
What actually slows a file down?
Documents. Almost always documents. The businesses that fund fastest are the ones that can produce six months of bank statements and a current tax return the day we ask.
Can you help if I am already repaying an advance?
Sometimes — a consolidation or refinance into a term product may be available depending on the balance and your revenue. What we will not do is stack a second advance on top of the first.

Find out what you qualify for.

One short application, a soft credit pull, and no cost. You will hear back from a person — usually the same day.

Start my applicationCall (208) 410-0393