AI Powered Lending to supercharge your business

We utilise an AI powered credit brokerage engine to place deals quicker than traditional methods- getting the money you need- faster

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Trade Finance
Import Today, Pay When Goods Arrive
Free up working capital, strengthen supplier relationships, and seize opportunities with flexible trade finance solutions tailored to your business needs.
Import Today, Pay When Goods Arrive
Invoice Finance
Unlock working capital from your invoices
Finance your client's payments to get critical payments quickly. Whole book or individual invoices.
Unlock working capital from your invoices
Invoice Factoring
Get paid sooner
Get paid faster and take the hassle out of collecting from clients. Whole book or individual invoices.
Get paid sooner
Business Loan
Fuel growth with fast, flexible funding
Capital to grow your business, variety of time periods and uses, secured or unsecured
Fuel growth with fast, flexible funding
Merchant Cash Advance
Turn card sales into instant cashflow
Get your card terminal payments quicker. Vary % of coverage and cost
Turn card sales into instant cashflow
Re-finance/Restructure
Reshape your debt. Regain control.
Re-finance your existing debt with a new provider. Restructure existing debt into new deals and products
Reshape your debt. Regain control.

Multiple Lenders, for the best rates.

Signing up to multiple lenders is cumbersome and slow. Stable put to work years of experience to get offers from multiple bank and non bank institutions in one go.

Strategy & Advice

We will also look to suggest other products that could solve your cash flow needs that you may not have considered.

Smart Lending- Fast, no nonsense

Tailored for the pace and pressure of UK SMEs.

How it works

We utilise a cutting edge AI brokerage platform provided by our partners- Spark Finance. We are able to approach multiple lenders on your behalf, targeting those who have specialism or excess capital to deploy in order to get multiple options, without you having to do all the work.

Consultation

Initial review of working capital gaps and lending options. Lending strategy discussed.

Onboarding

Client information collected via our portal and secure document upload for latest financials, bank statements and any other information required to go to lenders

Lender offers & selection

Lender offers received, presented to client for decision

Finance with without friction.

Tangible benefits to your
processes and cost

We do the work

Get decisions quickly

Explore multiple options

Why we do it

Payments can be messy, bloated and expensive. We wanted to create a better way to move money.

Tom Kiddle
Tom Kiddle
Co-founder

"Partnering with Spark allows us to give our clients access to a great panel of (over 240) lenders, getting businesses the cash they need quickly so they can get on with growing"

Steve Paul
Steve Paul
Co-founder

"It is astonishing how many businesses we speak to believe they only have one option, their bank, we help broaden those horizons without all the extra work"

Get the cash you need, quickly

Get Started

Introducers & Partnerships - Strategic Partnerships That Work

Stable partners with trusted advisers — from accountants to wealth managers — offering a value-add for your clients, and a new income stream for your business.

Let's Talk

We partner with:

  • Equestrian

  • Accountants

  • Wealth Advisorsy

  • Sports

  • Real estate

  • Equestrian

  • Accountants

  • Wealth Advisorsy

  • Sports

  • Real estate

  • Equestrian

  • Accountants

  • Wealth Advisorsy

  • Sports

  • Real estate

How our customers
borrow

Growth Capital

"When looking to expand my business I was overwhelmed with the amount of options or lack of available to me. When I approached my bank it was very difficult to get a conversation about what I really needed. The stable team came out to my office and listened to my plans, after asking some thought provoking questions we found solutions that could be paid back over a period of time that allowed me to grow my business quickly without significant new overheads. The process was quick and I was really impressed by their offers and pricing."

Jadlam Racing Limited

Meet Jadlam Racing