Who We Are

/Who We Are
Who We Are 2017-09-28T19:48:57+00:00
LendSpark business loans principals

LendSpark principals Steve, Jan and Todd

Located in Carlsbad, California, LendSpark has created business financing solutions for entities from Orange County, San Diego and all 50 states!

LendSpark is a national firm and licensed direct lender founded by highly experienced finance professionals for the sole purpose of supporting the growth capital needs of small to mid-size businesses in the United States. When traditional banks can’t or won’t provide funding, LendSpark is here to help.

Acting with creativity and integrity, LendSpark leverages our extensive business experience and network to obtain financing for our customers. Instead of working to push individual loan products or to simply “sell debt”, LendSpark has developed a broad range of funding options to offer our clients. These core values alone differentiate LendSpark from every other firm in the market.

Take a look at our testimonials to get an idea of the variety of businesses and funding options we provide.

LendSpark belongs to the Better Business Bureau, National Association of Equipment Leasing Brokers (NAELB), the Commercial Finance Association, the International Factoring Association and elite trusted advisor organization, ProVisors.

Dedicated to customer service, we walk each owner through all aspects of the funding process. More importantly, our decades of experience in finance enables us to provide the most competitive terms and rates!

• are nothing without our clients.
• do the right thing…ALWAYS.
• are a team and egos are not welcome.
• listen, care, and serve.
• are passionate about our work.
• embrace challenges with optimism.
• have fun and work hard.
• are leaders: we care about our people, declare our goals, take ownership, achieve
our expectations & celebrate.

LendSpark Principals

Todd Stichler, business loan specialist san diego

           Todd Stichler, MBA

Todd Stichler, MBA, Founder and Managing Director

A past owner of several businesses, Todd Stichler, MBA understands well the opportunities and challenges owners and management teams face. He’s acted as the chief financial officer of several corporations, including one with 350 employees and 7 offices. Todd has not only financed businesses in a wide variety of industries, he’s managed complex mergers and acquisitions. He’s stewarded the financing of start-ups, growing, and mature businesses, and understands companies in transition.

Todd relishes meeting hard-working, creative business owners with vision. Organizing financing for even the most complex situations sparks his work life. He’s most rewarded when he hears that one of his clients is not only surviving but thriving.


Todd is highly involved at Sharp Healthcare’s Neonatal Research Institute in San Diego. He is also on the board of the Sharp Healthcare Foundation. He enjoys time with his family as well as biking, hiking, and skiing.

Janice Ibey, Middle Market Lending

Jan Ibey LendSpark Middle Market Business Loan Manager

                       Jan Ibey

Janice Ibey (Jan) started in business finance as an appraiser, asset manager and capital markets manager for Mercury Savings & Loan.  Stints at large companies like Finance America, AMRESCO, Inc., Lehman Brothers lead her to co-found new lending entities including Fortes Financial. Jan has helped to shape LendSpark’s vision of delivering both expert financial strategy and attainable middle market and small business loans. Proficient in raising capital for the lower-middle & middle market, Jan has created a proprietary assessment tool that maps the way for businesses to achieve 2-3 times their current business value within two years.

Jan has always felt an affinity with lower to middle market companies because, typically, they have a proven product or service and competent leadership. When outside economic factors like interest rate hikes or seasonal downturns impact profits, Jan knows she can help keep the business going until the environment improves. Ushering companies into periods of more robust cash flow and re-investment put all the meaning into Jan’s work.

Jan lives in Orange County with her rescue dog, Scout. She is passionate about kids and is Chairman of the Board for Serna Academy, Orange County’s first sober high school (in formation). She is also on the advisory giving counsel for Olive Crest, a powerful organization dedicated to preventing child abuse, to treating and educating at-risk children and building strong families. She practices yoga and loves to walk and hike the beautiful landscapes of Southern California with Scout and friends.

Stephen Overlock, Equipment Financing

Steve Overlock, VP Equipment Financing

Steve Overlock

After obtaining a business degree from Pennsylvania State University, Steve began his career in commercial lending in 1993. He has helped countless businesses reach their growth potential by providing appropriate financial solutions. After a career in financial sales, Steve managed a commercial lending sales team for a Warburg Pincus-backed firm.

Assisting Lendspark in its quest to help business owners achieve financial goals has been a turning point for Steve. The ability to offer solutions for almost any situation is so rare in the financial industry, he couldn’t resist the call to take part. The greater variety of loan instruments available today compared to just 5 years ago is creating an exciting climate for businesses and the economy. Whether working with the CFO of a large corporation to obtain or restructure capital or assisting a startup with an equipment acquisition, Steve has learned that success stories come in all shapes and sizes.

Steve considers himself fortunate to wake up each day with the opportunity to learn about lending changes taking place in today’s economy. He takes pride in the fact that he has helped many businesses make it to a more profitable period or say yes to new, lucrative contracts.  As a long-time resident of Southern California, when not working, Steve enjoys spending time with his wife of almost 20 years and their 3 daughters.