Easier, Faster Lending Software
Designed for Banks

SPARK brings your business lending together. From commercial to SBA, we help you do it all on a
single platform.

Get Up and Running — Fast

Our configurability and agile approach enable us to onboard faster than any other lending solution so you can originate a loan as early as day one. In as little as four weeks, you’ll have the knowledge, resources, and support you need for long-term digital lending success.

Remote and On-site Training

Customize your training experience and make it easy for any team member to attend, near or far.

Configurable Products

Deliver a better experience with easily customizable branding and features to hit the ground running.

Seamlessly Originate Any Loan

SPARK supports any lending need you have from small business loans to large commercial loans to complex government-guaranteed loans — all in a centralized platform. With ultimate flexibility and continuous scaling, SPARK can handle whatever you throw at it.

Role-Based Dashboards

Provide views of personalized task lists or executive dashboards to the right people at the right time.

Practical Integrations

Save time on low-value tasks like data entry with connections to apps that matter most to your bank.

Devote Time to Customers, Not Processes

Stop wasting time on manual data entry and file sharing. SPARK digitizes the entire lending process in a single platform so you can guide customers from intake to disbursement in no time.

Digitized Workflows

Compete with fintechs and increase productivity with smart workflows and auto-generated documents.

Customer View Button

See what the borrower sees by easily switching between views to build empathy and understanding.

What Banks Love

SPARK features are ready right out of the box. Want more?
Configurability helps us meet any need.
  • Digital Document Management

    Digitize the loan process by auto-generating letters and memos
    through advanced organization and management capabilities.
  • Dynamic, Adaptive Checklists

    Monitor eligibility in real time with checklists of the items required for a
    quick and accurate closing.
  • Consistent Underwriting

    Speed up loan decisioning with consistent credit memo templates,
    document views, and team assignments.
  • Interactive Applicant Portal

    Invite applicants into the digital experience with a portal to request,
    receive, and review necessary documents.

We Know SBA

SPARK offers the most robust SBA feature set on the market for both simple and complex loans. Process loans more efficiently with E-Tran integration, SBA 10 Tabs, automatic SBA Form generation, and more with no extra cost or customization.
Success stories

Trusted by Banks

We’ve all been there — trying to sift through email inboxes, multiple platforms, and databases just to get the information we need to move forward. But every wild goose chase adds up, and that time equals money…
The SPARK lending platform has been a game changer for The Bancorp as we continue to expand our SBA and small business lending business. The team at SPARK listened and understood our specific needs and was…
NDC’s Grow America Fund is a national small business (SBA 7a) lending program designed to catalyze job creation in underserved communities. With Preferred Lender status granted by the Small Business…

Our Latest Insights

See what’s top-of-mind in banking with our collection of blogs, guides, and expert viewpoints.

Your Frequently Asked Questions

Get answers to your biggest questions about how SPARK solves your SBA-specific needs.
  • SPARK natively integrates with more than 15 different providers, including DocuSign to MeridianLink — and we’re adding more all the time. You can also create custom integrations with your favorite systems using our open API.

  • Yes! Scan business tax returns, income statements, and balance sheets and automatically spread financials based on them to eliminate unnecessary manual data input and create new documents. You can also tailor spreads to your industry with our financial analysis templates.

  • We know credit teams are very particular when it comes to the formats of their credit presentations. That’s why we built a flexible and scalable feature that enables teams to start with a standard credit presentation format (by product) and add to it conditionally or on the fly.  You can even embed the statement spreading features directly in the credit presentation to eliminate constant updating of credit memos with changing dynamics of a transaction.

  • It sure does. SPARK natively supports SBA eligibility and uses a lender-configured policy section to enforce conventional lending eligibility. We calculate required information still needed based on the use of proceeds. For example, if a business acquisition is flagged in the use of proceeds, SPARK will automatically trigger the internal operations team to seek a third-party business valuation. And because it’s built into the technology, teams can focus on getting more details down without spending time on mundane tasks.

  • SPARK implements, onboards, and trains in just four weeks for SBA products. For conventional lending, the implementation period is typically six weeks to account for variations in conventional lending processes.

  • SPARK onboards up to six customers per month, so you can typically get started the month you execute your SPARK contract. However, we do not reserve time on our onboarding calendar for customers that do not have signed contracts.


Experience SPARK for Yourself

It’s time to join the digital lending era. See what SPARK can do for your
bank with a tour of the platform, a one-on-one conversation about
your needs, and answers to your biggest questions.