We empower entrepreneurs.

Micro-loans straight to your phone

Apply with your smartphone

Online application process

Micro-loans from 500 JD

Thanks for signing up! 

We will contact you as soon as possible.

Any questions in the meantime?


Send us a Whatsapp on

+962 790473204

or email

Thanks for signing up! 

We will contact you as soon as possible.

Any questions in the meantime?


Send us a Whatsapp on

+962 790473204

or email

Tell us more about yourself
and we will contact you via WhatsApp.


We enable opportunities.

Access to micro loans, via your smartphone.

Apply with your phone

Apply and identify yourself via your smartphone through our easy to use

online loan application.

Online application process

After a short introduction chat, you will go through several questions

about you and your opportunity.

Micro loans from 500 JD

The micro loan will be directly transferred into a mobile wallet

on your smartphone. 


Frequently asked questions

What is the funding ceiling?

Funding requests can range between 500-3,000 JOD, each project will be evaluated through a feasibility study to determine its suitability for the requested amount and ability to repay, and this is done to determine the deserved funding amount.

What is the interest rate?

The interest rate is %1 flat monthly, and is based on the principle amount.

Who is eligible for SPARK’s loans?

All of SPARK’s beneficiaries of its entrepreneurship training programs who meet the eligibility criteria, from both nationalities Jordanian and Syrians. If you are not sure whether you qualify for a loan please consult with the person in charge of the project you participated in.

What is the repayment period?

The repayment period ranges between 12-36 Months. The repayment terms will be decided for each beneficiary depending on the amount of the fund requested, and project income projections.

How many guarantors do I need?

One (ID) guarantor is required.

Do I need to provide collaterals?

No collaterals required.

When is the first payment due?

The first repayment should be placed 50 days after the funding is transfered.

Is there any grace period? How long does it last?

Yes a grace period is included as an option, upon the beneficiary request and after the approval of the granting body which is determined based on the nature of the business. It is a 6 month period during which the beneficiary must only pay the administrative fees of %1 of the principal funding amount.

What happens if I do not repay?

It is of the client's and the guarantor’s best interest to repay all their installments, as their commitment to paying in full and on time affects their funding applications anywhere in Jordan, in addition to escaping the legal consequences when failing to repay, and adding a small fee on your loan for every day of delay.

What other benefits do beneficiaries receive?

- Health-life Insurance (Afyetna) program, for the beneficiaries and their families. - Participation in free workshops like e-marketing. - Connecting with marketing channels. - Participation in bazars to exhibit your products and services.

Is the life insurance free? How much does it cost?

The life insurance is compulsory for all beneficiaries; it is not free and paid with the monthly installments that costs 0.3 JOD/Month. There is also an optional hospital insurance for 1.20 JOD/Month for you, and 2.20 JOD/Month for you and your dependents.

How can I receive my funding, once it’s approved?

The money will be transferred to your e-wallet account. if you do not have one we will help you set one up.