Spark Finance plc
- Company typePrivate
- Founded2021
- HeadquartersHarpenden, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingServices
Spark Finance plc firmographics
Firmographics- Name
- Spark Finance plc
- Legal name
- Spark Finance Ltd
- Website
- https://sparkfinance.co.uk
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Spark Finance plc industry classification
Industry- Product category
- Commercial Lending Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310), Credit Intermediation and Related Activities (522)
- SIC
- Loan Brokers (6163), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Distressed Business Sales & Turnaround Brokerage (FSAEAIAJ)
- akta.pro secondary industries
- Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE), Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF)
Keywords
Where Spark Finance plc is headquartered
LocationHeadquarters
- HQ city
- Harpenden
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Spark Finance plc business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Broker Commission: Spark Finance operates as a credit broker earning commission from lenders on the panel. Commission amounts vary depending on the lender, product type, and other permissible factors. The commission structure is disclosed to customers before they proceed with any application.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free eligibility checking with no upfront fees |
| Other | Monthly | Business loans: 6-25% APR typical range |
| Other | Pay-as-you-go | Bridging loans: 0.5-1.5% per month typical rate |
| Transaction based/ take rate | Pay-as-you-go | Merchant Cash Advance: Factor rate 1.1-1.5 |
| Other | Pay-as-you-go | Trade finance: 2-5% above base rate typical |
| Usage-based | Monthly | Invoice finance: 85% of ledger value typical advance |
| Subscription | Monthly | Startup loans: Government Start Up Loan at 6% fixed APR |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Spark Finance plc product offering
Product offeringCore offering
Spark Finance is a UK credit broker that helps SMEs access business finance by submitting their application to a panel of 100+ specialist lenders. Its product set spans asset finance, business loans, bridging loans, invoice finance, trade finance, and merchant cash advance, with matching powered by a proprietary intelligent lending platform that returns highest-probability lender matches in seconds.
Product overview
Spark Finance operates as a UK business finance broker platform connecting SMEs with over 100 specialist lenders. The core offering consists of six main finance products: Asset Finance, Business Loans, Bridging Loans, Invoice Finance, Trade Finance, and Merchant Cash Advance. These products are supported by the company's proprietary Intelligent Lending Platform technology, which automates the matching process between applicant profiles and lender criteria. The platform serves as an intermediary/brokering service, not a direct lender, facilitating access to diverse funding options including secured and unsecured lending, short-term bridging facilities, invoice-based financing, and trade finance solutions.
Differentiator
Problem solved
Functional benefit
Products and services
- Asset Finance
Quantifiable outcome
- Fleet expansion for Yorkshire haulage firm: £240,000 approved in under 48 hours after bank decline
- +2 more outcomes
Companies that use Spark Finance plc
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles1 record
Spark Finance plc technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature3 records
Spark Finance plc partnerships and signals
Strategic signalScale indicators5 records
Recent moves6 records
Expansion highlights6 records
Spark Finance plc competitors and assessment
Company assessmentMarket position
Competitive moat6 records
Key risks5 records
Key highlights6 records
Customer concentration
Spark Finance plc social profiles
Digital presenceSpark Finance plc compliance and trust
Trust signalCompliance2 records
Spark Finance plc financial estimates
Financial estimateRevenue estimate
Valuation estimate
Spark Finance plc leadership team
Management profileNumber of profiles
Profiles3 records
Spark Finance plc funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Spark Finance plc M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Spark Finance plc
What does Spark Finance plc do?
Spark Finance is a UK credit broker that helps SMEs access business finance by submitting their application to a panel of 100+ specialist lenders. Its product set spans asset finance, business loans, bridging loans, invoice finance, trade finance, and merchant cash advance, with matching powered by a proprietary intelligent lending platform that returns highest-probability lender matches in seconds.
Is Spark Finance plc a public or private company?
Spark Finance plc is a private company. It is classified as unknown and is currently operating.
When was Spark Finance plc founded?
Spark Finance plc was founded in 2021. It employs 11 to 50 people.
Where is Spark Finance plc based?
Spark Finance plc is headquartered in Harpenden, United Kingdom, in the Europe region.
How does Spark Finance plc make money?
One revenue line is on record: broker Commission.
Does Spark Finance plc have an API?
No public API is recorded for Spark Finance plc.
What industry is Spark Finance plc in?
Spark Finance plc's product category is Commercial Lending Brokerage. Its primary akta.pro industry code is FSAEAIAJ, Distressed Business Sales & Turnaround Brokerage, with a secondary code of FSAKAGAE, Supply Chain Finance (Trade Credit, PO/Inventory Financing). Its NAICS code is 52231 and its SIC code is 6163.