Debt Financing

Debt Financing with Sprk Capital and FI Group

 

Debt financing is an increasingly vital funding tool for innovation-focused businesses seeking capital without giving up equity. At FI Group, we partner with Sprk Capital, a specialist innovation debt lender, to offer flexible, fast, and founder-friendly funding options tailored to your R&D and growth trajectory.

This collaboration enables UK businesses to bridge funding gaps, unlock working capital, and fund ongoing innovation activities alongside grant and tax credit support.

 

What Is Innovation Debt Financing?

 

Debt financing involves borrowing funds with an agreement to repay over time with interest. Unlike equity funding, debt does not dilute ownership or control.

 

Innovation debt financing is tailored specifically for:

  • Companies investing heavily in R&D
  • Businesses waiting for R&D Tax Relief or grant payments
  • Scaleups needing working capital to accelerate innovation

With Sprk Capital, businesses can secure flexible debt aligned with innovation cycles, including early-stage growth, product development, and market expansion.

Request a free audit

Key Features of Sprk Capital’s Debt Finance

  • Non-dilutive funding — retain full ownership and control
  • Rapid access to capital — often within weeks
  • Tailored loan structures — aligned with expected R&D Tax Relief or grant timings
  • Funding from £100k to £5m+
  • No personal guarantees required for most facilities

This debt can be used to:

  • Accelerate product development
  • Cover operational costs during grant or tax credit processing
  • Invest in talent and scale teams
  • Co-fund match requirements for Innovate UK grants
Book A Meeting
Unlock innovation funding without giving up equity. Contact FI Group to explore how debt financing through our partner Sprk Capital can drive your next stage of growth.
Contact Us

How FI Group Adds Value

As an established R&D funding expert, FI Group brings:

1. Financial Readiness

We assess your R&D tax or grant claim position to ensure alignment with debt financing options. This includes:

  • Forecasting claim values and timings
  • Preparing documentation to support Sprk Capital applications
  • Ensuring claims are optimised for audit and HMRC review

2. Integrated Support

Our joined-up approach ensures:

  • Coordination across tax, grant, and debt timelines
  • No double-counting or compliance issues
  • Cash flow planning to smooth innovation investment

3. Access to a Trusted Finance Partner

Sprk Capital specialises in innovation lending. Through our partnership, you benefit from:

  • Streamlined application process
  • Transparent terms
  • Sector-aligned support from finance experts

Who Can Benefit?

  • R&D-intensive SMEs and scaleups
  • Businesses awaiting R&D tax or grant payments
  • Founders seeking capital without giving up equity
  • Companies in tech, biotech, AI, energy, and manufacturing sectors

If you’re innovating and need working capital to scale, this solution provides liquidity when traditional finance or equity is not suitable.

Why Choose FI Group + Sprk Capital?
Why Choose FI Group + Sprk Capital?
  • Deep R&D funding experience from FI Group
  • Tailored innovation lending from Sprk Capital
  • Holistic approach to innovation financing
  • Global network and sector expertise

Together, we ensure UK innovators can access smart, fast funding that supports sustainable growth.

Book A Meeting
Why Choose FI Group + Sprk Capital?

Certifications

CertificaciónCertificación
FI Group UK
© Fi Group
Policy PrivacyTerm of useCookie PolicyCompliance FI Group