We are an auto lender in the subprime space uniquely partnering with a network of auto dealers on their in-house financing of customers. In-house financing comes into play if the customer or the vehicle do not qualify for traditional financing. Spark proposes to be the in-house financing solution in partnership with the dealer who carries a up to 30% of the loan while Spark finances up to 90% of the deal. The dealer bears all risk of defaults.