DO YOU NEED BUSINESS FUNDING?
Getting business funding has never been easier. Join the thousands of businesses that have made the right choice to work with Smart Business Funding. We offer direct funding and dedicated service
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Welcome to Smart Business Funding, your direct source for business funding. If you’re in need of small business funding or another business financing option, you’ve come to the right place. Our company was founded by financial professionals who have a great deal of experience in building and developing successful businesses.
PARTNERING WITH SMART BUSINESS FUNDING
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Reviews
What Business Owners Say About Us
Real reviews from real merchants and funding partners, shown as they were posted on Trustpilot and Google.
Abie at Smart Business Funding was straightforward to work with. He laid out the funding options clearly, no pressure, and moved fast when I needed capital. Solid experience, would recommend.
He is very responsive and knows his stuff. He has helped my firm twice… A straight shooter and very responsive. A pleasure to work with him. In a crunch he is there for you.
Jacob and the team at Smart Business Funding are very diligent and responsive and most important get the job done!
Jacob was very attentive, and he cared about my needs. I've worked with him a few times, and never disappointed.
Working with Smart Business Funding was an excellent experience from start to finish. Their team was professional, responsive, and truly cared about helping my merchants business secure the funding they needed…
It is always a pleasure working with the folks at Smart Business Funding. Monique and Anthony always go above and beyond for their clients!
Pleasure working with Anthony and Kimberly. They get deals done!
One of the best firms for capital. Honest, fast and very dependable.
Heala was the best financial advisor I've ever spoken to. He knew the content at his finger tip and could answer my questions in-depth and with ease.
…they really do go above and beyond to help customers and businesses to grow, and get things done. Anthony, Jessica, Heala are in constant communication with me. I could have not of found nicer people to work with. Professional at all times…
I received a small business loan from Smart Business Funding. They are very efficient, and they were great. I like the fact that they kept me informed throughout the process.
David and Anthony are great to work with. They are always very flexible lender at getting me what I need to get deals done and over the finish line!
Selected five-star reviews, quoted as posted (some shortened).
Quick answers
Business funding questions, answered
The things business owners ask us most before they apply.
How fast can I get funded?
Offers usually come back in 1 to 5 hours on a complete file, and the whole process from application to funding usually takes 24 to 48 hours. Timing depends on how quickly your documents come in.
Will applying affect my credit score?
No. We use a soft credit pull only, which does not affect your credit score. Applying costs nothing and there is no obligation.
What do I need to qualify?
You need at least 1 year in business and a minimum credit score of 500. Our in-house Direct Fund program looks for about $50,000 a month in revenue, and our marketplace program looks for about $5,000 a month.
How much funding can I get?
We fund from $10,000 up to $5,000,000. The amount you are offered is based on your revenue, time in business and the strength of your file.
How do I pay it back?
With a fixed daily or weekly payment. A merchant cash advance is not a loan. You repay a fixed amount that is set by a factor rate, with no hidden changes. See our Transparent Terms for worked examples.
Do I need collateral?
Our Direct merchant cash advance does not require collateral, although a personal guarantee or UCC-1 filing may still apply.
What documents do I need?
A short application and your last 3 months of business bank statements. You can upload them right on the application.
