Short-Term Loan by LendSpark

Short-Term Loan by LendSpark

LendSpark’s creative, ethical financing solutions fuel growth for businesses of all sizes and stages. They provide fast, secure and flexible options to grow your business while protecting your personal credit. Great when needing funds for payroll, a bridge loan, expansion, new projects, hiring staff, or for working capital.

Nav's Verdict

40% Complete
Effort to Apply
50% Complete
Funding Speed
40% Complete
Repayment Terms
80% Complete


Bottom Line

LendSpark can provide the expert advice and funding you need, especially when you've been denied by banks. If you meet their qualifications, this is a great option for large funding needs.


Much higher loan amounts than other short-term loans. Approval is based on cashflow, not collateral. Certain liens are accepted.


Up to a 5% origination fee.

Qualification requirements

Time in Business

At least 6 months in business


Be break-even or be close to reaching break-even

Other Requirements

No open bankruptcy. No tax liens greater than $175,000 and not in a payment plan.

10% - 35% APR
Repayment Terms
Daily, weekly, bi-weekly payments for up to 24 months
Funding Amount
$5,000 - $5 million
Origination Fee
1% - 5%
Funding Speed
2 days - 2 weeks
Application Fee


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