Private loans · Personally guaranteed

6-7% fixed. Your money back tomorrow.

Sparos pays a fixed 6-7% on monthly-paying promissory notes, every one personally guaranteed by our operating partners, and backed by real estate. Request a withdrawal today and your cash is back in your bank the next banking day. No lockups. No gates.

Sparos is a spin-off of Spark Equity Group, the real estate company that owns the property behind every note.

Request an intro call See how it works

$18.4M principal returned $100M+ real estate owned Personally guaranteed

Where does Sparos fit?

A higher fixed return than T-bills, CDs, or savings, without the swings of the market.

Illustrative positioning only. Sparos notes are not bank deposits and are not FDIC-insured. Investing involves risk, including loss of principal.

Most people keep cash earning almost nothing and stocks doing the heavy lifting, with nothing in between. Sparos is built for that gap.

Why you earn more than T-bills, CDs, or savings

A simple business, in plain terms.

Tap a question to learn more.

What exactly is this?

This isn't a bank account or a bond fund. You're making a private loan to a real estate operating company, personally guaranteed. Spark uses your capital to pay down its own higher-cost debt and earns the difference. In return, you earn a fixed 6-7% a year, paid monthly, a return higher than T-bills, CDs, or a savings account.

Where does the yield come from?

The extra yield over T-bills, CDs, and savings is your reward for one thing: backing Spark. The biggest risk isn't whether a single building loses value, it's the financial health and execution of Spark and its principals. That's why the personal guarantee, the balance sheet, and the real estate behind it matter. On a one-on-one call, a Sparos team member will walk you through Spark's financials, the properties, and the guarantee, so you can weigh that risk for yourself.

Why Sparos is different

Three things most yield products can't say.

Tap each one to learn more.

🤝 Personally guaranteed

Every note is personally guaranteed by Will Karstetter and Sam Sendgraff, jointly and severally. If the company can't pay, they're personally on the hook, and their combined net worth stands behind every dollar.

⚡ Truly liquid

Sparos Liquid returns 100% of your principal the next banking day, no quarterly caps, no redemption gates, no "get in line." Submit before 3:00 PM CT and it settles the next morning.

🏦 We pay down our own debt

We don't re-lend your money to other borrowers. Your capital pays down Spark's own real-estate lines of credit, so it stays backed by property we own and control at every step.

100%

No caps. No gates. No waiting in line.

Some private credit funds appear to offer generous liquidity, promising next-day or 30-day redemptions. But the fine print caps withdrawals at around 5% a quarter, so when everyone heads for the exit, you wait in line. Sparos caps nothing. Ask for your money by 3:00 PM CT; it's in your account the next banking day.

An alternative to cash

Backed by real estate you can see and touch.

Not all your money belongs in a checking account, and not all of it belongs in the market. Sparos is an alternative income investment backed by real estate, homes, industrial buildings, and storage, with income paid to you every month.

Homes, industrial, and storage assets, real collateral, not a token or fund abstraction
Income paid monthly, reported on a 1099-INT
Personal guarantee on top of the real estate
Hold it alongside cash, bonds, and equities to diversify your income

The offering

Two products. You choose the liquidity.

Sparos Liquid

1 banking day notice · open-ended

6.00% APR

Roll payments → 6.17% effective APY

Minimum to start$1,000

Add or withdrawAny amount

Liquidity1 banking day (3 PM CT)

InterestMonthly · 1099-INT

GuaranteePersonal (Will & Sam)

Sparos Income

180-day notice · open-ended

7.00% APR

Roll payments → 7.23% effective APY

Minimum to start$5,000

Add or withdrawAny amount

Liquidity180-day notice

InterestMonthly · 1099-INT

GuaranteePersonal (Will & Sam)

Compare products & estimate earnings →

A record you can verify.

$18.4M

Principal returned to investors, in full, across 83 notes

$100M+

Real estate owned (homes, industrial, storage & more)

~2×

Portfolio DSCR, net operating income nearly covers debt service twice

$43.7M

In company real estate equity backing the personal guarantee

100% on-time since 2018

Performance you can verify.

Every dollar of principal and every dollar of contracted interest, paid in full and on time, through inflation, rate hikes, and a regional banking crisis.

Missed or late payments, ever

100%

Of principal and contracted interest paid since 2018

$18.4M

Returned to investors, in full, to date

Where your money goes

You lend to Spark. Spark pays down its own debt.

We never re-lend your money to third-party borrowers. Reserve cash is held at a bank where Spark carries no loans, so no lender can freeze it.

How it works

Three steps to your first payment.

Request a quick call

Will answers your questions and gives you an access code.

Open & fund your account

About 10 minutes online; funds arrive in 1-2 banking days.

Earn monthly, withdraw anytime

Interest hits every month; pull Liquid funds the next banking day.

See the full process →

Get your questions answered.

Still doing your homework? Book a 15-30 minute call with Will. He'll walk you through Spark's financials, the track record, and the guarantee, and how Spark grew from $0 into a company that owns over $100 million in real estate. No pressure, just answers.