Frequently Asked Questions

To reset your password:

1. Go to our login page and click "Forgot Password"
2. Enter your username and email address
3. Check your email for a password reset link
4. Create a new strong password (minimum 12 characters)

Yes! Our mobile app allows you to deposit checks easily:

• Endorse the check with your signature
• Select "Deposit" in the app
• Take photos of the front and back
• Funds typically available within 1 business day

You'll typically need:

• 2 years of tax returns
• Recent pay stubs (last 30 days)
• Bank statements (2 months)
• Photo ID
• Purchase agreement (if you have one)

The average timeline is 30-45 days from application to closing:

• Pre-approval: 1-3 days
• Processing: 7-10 days
• Underwriting: 10-14 days
• Closing: 3-5 days after approval

Business Term Loan:

• Lump sum disbursement
• Fixed repayment schedule
• Best for one-time investments

Business Line of Credit:

• Reusable credit limit
• Pay interest only on what you use
• Flexible for ongoing needs

Yes! Our merchant services include:

• Credit/debit card processing
• Mobile payment solutions
• Online payment gateways
• POS system integration
• Competitive rates for SparkleBank customers