At LendSpark we’re a people focused organization

LendSpark is a national firm and licensed direct lender founded by highly experienced finance professionals for the sole purpose of supporting the growth capital needs of small to mid-size businesses in the United States.

LendSpark belongs to the Better Business Bureau, National Association of Equipment Leasing Brokers (NAELB), the Commercial Finance Association, the International Factoring Association and elite trusted advisor organization, ProVisors.

Located in Carlsbad, California, LendSpark has created business financing solutions for entities from Orange County, San Diego and all 50 states!

People with all the skills you need are with LendSpark


Todd Stichler

A past owner of several businesses, Todd Stichler, MBA understands well the opportunities and challenges owners and management teams face. He’s acted as the chief financial officer of several corporations, including one with 350 employees and 7 offices. Todd has not only financed businesses in a wide variety of industries, he has also managed complex mergers.

Equipment financing

Steve Overlock

After obtaining a business degree from Pennsylvania State University, Steve began his career in commercial lending in 1993. He has helped countless businesses reach their growth potential by providing appropriate financial solutions. After a career in financial sales, Steve managed a commercial lending sales team for a Warburg Pincus-backed firm.

Real estate

Paul Cortez

Paul Cortez is the Vice President of Real Estate at LendSpark and develops Lendspark’s growing real estate loan and investment portfolio in California. LendSpark is a direct lender providing working capital loans, equipment financing and real estate loans to small and medium-sized businesses that need financing to fuel their business growth and achieve their business.

Flexible Business Loans AND Strategic Consulting from Highly Experienced Finance Professionals

Decades of financial experience helps the principals at LendSpark find financing for your business, even after you’ve been rejected by other (short-sighted) lenders. This is the LendSpark Difference: alternative business loans and thorough guidance to help you grow your business over the long term.With access to multiple lines of financing, including traditional and alternative banks, LendSpark has arranged over $200 million to hundreds of businesses in a wide variety of industries. Depending on the industry, the economy and individual business details, LendSpark can even provide business financing for bad credit borrowers.When a RV dealer needed to expand to remain profitable, LendSpark helped the client obtain unsecured business lines-of-credit to open a second location to increase profit while keeping costs stable. Today, the business is thriving.

“I began working with LendSpark over a year ago and can honestly say that they have truly helped me and my company become successful. As a new company, it is very difficult to get the support needed form financial institutions. They went out of their way to make me feel like I truly mattered.”
Owner, RV Dealership

Providing Business Loans Fast

Often, clients come to us because their bank has taken six months to review their loan application and there’s still no word. In the meantime, the business’s financial situation has become more dire.Banks often WANT to approve loans, but when a borrower’s low credit score and/or lack of assets don’t meet criteria set by the home office . . . they just can’t. They don’t want to tell the potential borrower that, however. Not right away.The bank often has several of a borrower’s accounts: checking, savings, credit card, business line of credit . . . all which generate profitable fees. By refusing a loan application, they risk the client taking all accounts to another bank.
As business financing specialists, LendSpark has the flexibility to accept your application within 24 hours!

We even help you complete the application in the first place, in person if location permits. If you qualify, we let you know, fast! Most applicants qualify within days and receive several options.

If several weeks have passed and your bank hasn’t given you any indication of your financing options, please don’t hesitate to call us at 760-671-3351.

Caution: Online Lenders Ahead

Of course, when traditional banks tell you “no,” you have another option: the alternative, online lender. While, like LendSpark, an online lender may get your business financing within 24 hours, keep in mind that these nameless, faceless companies can be large sales organizations looking to “sell” debt.  That means they may not be looking for all lending options available to you.  Rather, their focus could be what pays them the most commission.

Business Loans & Financing Strategy at the Most Competitive Rates Available

Dedicated, Expert Guidance Over the Life of Your Business
LendSpark is proud to provide a custom, hands-on and workable solution for your business. We are experts in alternative business financing, not “loan sales.” Our business financing strategies help you stay in business and grow.

LendSpark is in business to provide financing to keep small businesses growing, thriving and hiring employees.The process begins with our Detailed Financial Analysis, where we gather details including an understanding of any negative credit history.

LendSpark wants to be a “face-to-face”, phone-call-away, supportive partner in your business’s success (without requiring any equity of course).
LendSpark acts as a funding advisor as your business moves from recession to expansion, setback to triumph. The good news is, we provide this high level of service and guidance at the most competitive rates!

The options we present depend on the financials we collect and our discovery process with the business owner. We may recommend equipment financing, Small Business Administration (SBA) and term loans, as well as lines of credit and inventory financing and more that keep businesses open and workers employed.

“I had given up almost entirely on the possibility of leasing my own equipment, but through their vast resources, LendSpark put together the deal of a lifetime. My company will grow and flourish because of LendSpark and everything they have done.”  
— Owner, Irrigation Company

Businesses from San Diego, Southern California and Nationwide Trust LendSpark

Located in Carlsbad, California, LendSpark has created business financing solutions for entities from Orange County, San Diego and all fifty states! Take a look at our testimonials to get an idea of the variety of businesses and funding options we provide. LendSpark belongs to the Better Business Bureau, National Association of Equipment Leasing Brokers (NAELB), the Commercial Finance Association, the International Factoring Association and elite trusted advisor organization, ProVisors.Dedicated to customer service, we walk each owner through all aspects of the funding process. More importantly, our decades of experience in finance enables us to provide the most competitive terms and rates!Have a question or want to schedule a preliminary call?
Call us at 760-671-3351 or leave us a note and we’ll call you.

Ready to grow your business?

We match business owners with financing options that work for their business.