Our founders, Julian Dobbin, Peter Moloney, and Richard Burrows, each built and scaled successful businesses, giving them first hand experience of the full funding journey: from bootstrapping and raising capital from friends and family, to securing bank loans and growing into publicly listed companies. This deep understanding of business challenges and growth cycles led them to create Spark, a company designed to provide flexible, fast, and reliable business finance for UK SMEs.
In 2016, Jamie Davies founded JD Capital Finance, a commercial finance brokerage known for its personalised service and strong client relationships. Recognising the opportunity to combine advanced technology with proven market expertise, Spark and JD Capital Finance merged in April 2023.
This strategic partnership has allowed us to deliver an even stronger business funding platform, blending tech-driven efficiency with real-world finance experience.
To date, Spark has helped over 2,000 UK businesses secure more than £150 million in funding, supporting sectors ranging from retail and construction to hospitality and professional services. Our clients consistently rate us 4.9/5 for transparency, speed, and tailored financial solutions, and ahigh percentage return for repeat funding, testament to the trust we build.
At Spark, we don’t just provide loans, we offer bespoke business finance partnerships that empower growth. Whether you’re seeking a merchant cash advance, asset finance, commercial mortgage, or working capital loan, we deliver solutions that are fast, flexible, and aligned to your unique business needs. We believe SMEs are the backbone of the UK economy, and we’re proud to support their success with funding that’s simple, transparent, and designed for real results.
Spark Founded by Julian Dobbin (CEO)
First company scoring algorithm built to intelligently score UK SMEs propensity to require finance
Automated website validation incorporated in our platform
Spark launches White Label service for debt products
Spark expands and moves their offices to London
Winner of Business MoneyFacts Awards for Best Use of Technology in SME Finance
Employee Ownership Plan reaches 18 members
Spark doubles its turnover in a year, hitting £2,000,000 turnover
James writes the first line of code
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JD Capital Finance becomes 3rd partner brand
Spark and JD Capital Finance merge
Spark AI launched to assist with underwriting processes
Spark hits £1,000,000 turnover
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Spark launches Key Person Checker - innovative technology to automate checks on directors, PSCs, and shareholders of companies
Spark signs 100th partner brand
Winner of Business MoneyFacts Awards for Best Use of Technology in SME Finance for the second year in a row
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