QuickSpark
QuickSpark Financial (TimePayment DBA) is a US FinTech intermediary providing equipment financing (12-60 month terms) and working capital ($5K-$500K) to SMBs and startups across 50+ industries, distributed primarily through a network of more than 3,000 equipment vendor partners with Shopify and WooCommerce integrations.
- Company typePrivate
- Founded1999
- HeadquartersPhoenix, United States
- Headcount101–250
- GTM typeB2B
- OfferingServices
What QuickSpark does
QuickSpark Financial, operating as a division of TimePayment LLC, is a US equipment-finance and working-capital intermediary that connects equipment vendors with small and medium-sized business buyers. Founded in 1999 and headquartered in Phoenix, Arizona (with corporate offices in Woburn, Massachusetts under the parent), the company serves thousands of SMBs across 50+ verticals including restaurant, salon, cleaning, automotive, printing, fabrication, beauty, events, entertainment, construction, and catering. Its core offerings are equipment financing structured over 12-60 month terms and working capital loans of $5,000 to $500,000 with up to 18-month durations, with underwritten flexibility that extends to applicants with FICO scores as low as 550, prior bankruptcies, and pre-revenue startups — a credit window broader than most traditional bank lenders.
The company's technical platform centers on a proprietary financial and web-integration layer that connects vendor and manufacturer networks. Key proprietary components include the QuickConnect 24/7 partner portal for application tracking and transaction-level metrics, Button Finance payment-display technology that shows monthly payments beneath full equipment prices on partner sites, plug-in integrations for Shopify and WooCommerce, and a dedicated in-house design team that manages partner integration and produces co-branded marketing collateral. Distribution is primarily B2B2C through a channel of more than 3,000 equipment vendor and retailer partners with a zero-fee, no-contract partner program, supplemented by direct online application and inside-sales follow-up within 24 hours.
The revenue model is asset-light and transaction-based. QuickSpark acts as a financing intermediary sourcing capital from multiple funding partners rather than holding balance-sheet risk on originated loans, earning fees and interest spreads on the equipment financing and working capital products it originates and services. Marketing combines content (an Insights blog covering equipment financing trends), organic social presence on Facebook, Instagram, and LinkedIn, customer testimonials across multiple verticals, email/newsletter, and partner co-marketing materials. The company has no disclosed external funding rounds, no public listing, and no M&A activity in the source data, and reports no disclosed annual revenue. It was named one of Arizona's '100 Best Companies' in 2017.
QuickSpark firmographics
Firmographics- Name
- QuickSpark
- Legal name
- TimePayment DBA QuickSpark Financial
- Website
- https://quickspark.com
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- QuickSpark Financial (TimePayment DBA) is a US FinTech intermediary providing equipment financing (12-60 month terms) and working capital ($5K-$500K) to SMBs and startups across 50+ industries, distributed primarily through a network of more than 3,000 equipment vendor partners with Shopify and WooCommerce integrations.
- Ownership category
- akta.pro rank
QuickSpark industry classification
Industry- Product category
- Equipment Financing
- NAICS
- Sales Financing (52222), Credit Intermediation and Related Activities (522)
- SIC
- Short-Term Business Credit Institutions (6153), Loan Brokers (6163)
- akta.pro primary industry
- BNPL for High-Ticket / Longer-Term Installments (FSAKACAN)
Keywords
Where QuickSpark is headquartered
LocationHeadquarters
- HQ city
- Phoenix
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
QuickSpark business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Equipment Financing: QuickSpark generates revenue through financing equipment purchases for small businesses. The company partners with multiple funding sources to provide lease-to-own structures with simple interest, allowing customers to make minimum payments while increasing cash flow. Revenue comes from interest payments and financing fees embedded in the loan structures.
- Working Capital Loans: Provides working capital financing ranging from $5,000 to $500,000 with terms up to 18 months. Revenue generated through interest and fees on short-term capital loans for businesses with growth opportunities.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Working Capital: $5,000 - $500,000 |
| Unit Pricing | Monthly | Equipment Financing: Monthly payments 12-60 months |
| Other | Multi-year contract | Vendor Partnership: Zero fees and no contracts |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
QuickSpark product offering
Product offeringCore offering
QuickSpark Financial provides equipment financing (12–60 month monthly payment plans) and working capital loans ($5,000–$500,000, up to 18 months) to small and medium-sized U.S. businesses. It connects equipment buyers with multiple external funding sources through a channel partner model, accepting challenged credit profiles (FICO as low as 550, bankruptcies, startups) and integrating financing options directly into vendor websites via proprietary payment button and shopping cart plug-in technology.
Product overview
QuickSpark is a FinTech company offering a unified equipment financing platform that combines equipment financing, working capital, and payment technology solutions. The core products include Equipment Financing (12-60 month payment plans) and Working Capital ($5k-$500k short-term loans), supported by the QuickConnect partner portal and Payment Button Technology for vendor websites. Additional services include Section 179 tax benefit assistance. The platform serves both equipment buyers (small businesses) and equipment sellers/retailers, leveraging integrations with Shopify and WooCommerce e-commerce platforms.
Differentiator
Problem solved
Functional benefit
Products and services
- Equipment Financing
Quantifiable outcome
- 78% of businesses finance their equipment
- +7 more outcomes
Companies that use QuickSpark
Customer profileNamed customers8 records
Segments5 records
Ideal customer profiles2 records
QuickSpark technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature4 records
QuickSpark partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- ShopifycoreQuickSpark offers plug-in integration for Shopify e-commerce platform, allowing equipment vendors to embed financing options directly into their online stores.
- WooCommercecoreQuickSpark provides integration capabilities for WooCommerce-powered websites, enabling equipment sellers to display financing options within their online shopping carts.
- TimePaymentcoreTimePayment is the parent/legal entity operating under the QuickSpark Financial brand. QuickSpark Financial is TimePayment DBA (doing business as) QuickSpark Financial.
Scale indicators9 records
Recent moves1 record
Expansion highlights6 records
QuickSpark competitors and assessment
Company assessmentDirect peers
- Balboa Capital: Balboa Capital is a direct SMB equipment financing and working capital competitor, serving similar small business customers across multiple verticals with lease-to-own and loan structures analogous to QuickSpark's offerings.
- Ascentium Capital: Ascentium Capital provides equipment financing and working capital to SMBs across the US through vendor and direct channels, directly comparable to QuickSpark's equipment lease and short-term business loan products.
- Currency Capital: Currency Capital operates as an SMB equipment financing marketplace/lender matching businesses with multiple funding sources — directly parallel to QuickSpark's multi-funder broker approach.
- Marlin Capital Solutions: Marlin Capital Solutions provides SMB equipment financing and working capital loans, directly competing with QuickSpark in the same vendor-channel and direct SMB equipment finance segments.
- Forward Financing: Forward Financing provides working capital advances and small business loans ($5K–$250K+) to SMBs, overlapping directly with QuickSpark's $5K–$500K working capital product.
Others
- TimePayment LLC: TimePayment is QuickSpark's parent/legal entity (DBA relationship) and itself operates as an equipment leasing and finance company for SMBs, representing both the parent company and a closely overlapping business.
Emerging players
- Wisetack: Wisetack is an emerging embedded consumer/SMB financing platform that integrates at point-of-sale via software partners — overlapping with QuickSpark's Button Finance and Shopify/WooCommerce integrations.
- Sunbit: Sunbit provides point-of-sale financing for SMB and consumer purchases across verticals including auto, dental, and retail — competing with QuickSpark for vendor-embedded financing relationships.
- Katapult Holdings: Katapult offers lease-to-own financing for higher-credit and subprime consumers at point of sale, with a similar thin-file / credit-challenged borrower focus and e-commerce integrations adjacent to QuickSpark's.
Broad incumbents
- CIT Equipment Financing (First Citizens Bank): CIT's equipment financing division (now part of First Citizens Bank) is a broad incumbent offering SMB and middle-market equipment finance, vendor programs, and working capital — the larger-scale incumbent analog to QuickSpark.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
QuickSpark social profiles
Digital presenceQuickSpark financial estimates
Financial estimateRevenue estimate
Valuation estimate
QuickSpark leadership team
Management profileNumber of profiles
QuickSpark funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
QuickSpark 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 QuickSpark
What does QuickSpark do?
QuickSpark Financial provides equipment financing (12–60 month monthly payment plans) and working capital loans ($5,000–$500,000, up to 18 months) to small and medium-sized U.S. businesses. It connects equipment buyers with multiple external funding sources through a channel partner model, accepting challenged credit profiles (FICO as low as 550, bankruptcies, startups) and integrating financing options directly into vendor websites via proprietary payment button and shopping cart plug-in technology.
Is QuickSpark a public or private company?
QuickSpark is a private company. It is classified as corporate owned and is currently operating.
When was QuickSpark founded?
QuickSpark was founded in 1999. It employs 101 to 250 people.
Where is QuickSpark based?
QuickSpark is headquartered in Phoenix, United States, in the North America region.
How does QuickSpark make money?
Two revenue lines are on record. Equipment Financing is the primary driver. The others are working Capital Loans.
Who are QuickSpark's main competitors?
Direct peers on record are Balboa Capital, Ascentium Capital, Currency Capital, Marlin Capital Solutions and Forward Financing. TimePayment LLC is listed as an others. Emerging players are Wisetack, Sunbit and Katapult Holdings. CIT Equipment Financing (First Citizens Bank) is listed as a broad incumbent.
Does QuickSpark have an API?
No public API is recorded for QuickSpark.
What industry is QuickSpark in?
QuickSpark's product category is Equipment Financing. Its primary akta.pro industry code is FSAKACAN, BNPL for High-Ticket / Longer-Term Installments. Its NAICS code is 52222 and its SIC code is 6153.