1-866-737-6278 (866-Re-Smart)

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Smart Business Funding Online Application

    Apply in about 2 minutes

    • Soft credit pull only. Applying will not affect your credit score.

    • No cost to apply, no obligation.

    • Offers usually in 1 to 5 hours on a complete file.

    • Have your last 3 months of business bank statements handy. You can upload them on the last step.

    Step 1 of 4: About you

    About you


    Your business




    Business owner / principal information

    Why we ask for this: your Tax ID, date of birth and Social Security number are used only to verify your identity and your business. This is a soft credit pull only and will not affect your credit score. Your information is encrypted and never sold. See our Privacy Policy.



    Is there a second business owner?

    Almost done

    Please upload your last 3 months of business bank statements. This is what lets us give you an offer in 1 to 5 hours. PDFs or clear phone photos both work, and you can add more than one file.



    No cost to apply. No obligation. Soft credit pull only. All information you provide is secure and confidential.

    Costs and Fees

    Smart Business Funding is a business-to-business funder. We do not offer consumer or personal loans.

    Funding is priced using a factor rate, not an interest rate — a fixed multiplier applied to the amount funded. For example, a factor rate of 1.30 on $100,000 means $130,000 is repaid in total. Your rate depends on your revenue, time in business, industry and risk profile.

    We fund through two programs, and the costs differ:

    • Partner funding. Factor rates start at 1.22. Origination fees range from 0% to 10% of the funded amount.

    • Direct Fund Program (in-house). Factor rates range from 1.25 to 1.49 for prime-qualified businesses, and 1.309 to 1.499 for higher-risk profiles. House fees range from 5% to 10% of the funded amount.

    Third-party costs such as wire or ACH transfer fees may also apply.

    There is no cost to apply, and applying does not obligate you to accept an offer. Every rate, fee and repayment term will be stated in writing in your funding agreement before you sign.

    Funding amounts range from $10,000 to $5,000,000. Smart Business Funding (Collins Cash Inc.), 2420 NE 186th Street, Suite 401, North Miami Beach, FL 33160. Phone 1-866-737-6278 (866-Re-Smart).

    Accredited by the Better Business Bureau (A+). Ranked No. 1,229 on the 2020 Inc. 5000. 5-star rated on Trustpilot (TrustScore 4.5).

    Want to see the numbers first? Estimate your payment with our free funding calculator → (opens in a new tab, your application stays open).

    Reviews

    What Business Owners Say About Us

    Real reviews from real merchants and funding partners, shown as they were posted on Trustpilot and Google.

    ★ Trustpilot
    100%
    5-star rated on Trustpilot · TrustScore 4.5
    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.
    Hyman U.Trustpilot · Sep 2026
    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.
    Guy K.Trustpilot · Mar 2020
    Jacob and the team at Smart Business Funding are very diligent and responsive and most important get the job done!
    StasTrustpilot · May 2020
    Jacob was very attentive, and he cared about my needs. I've worked with him a few times, and never disappointed.
    N. Y.Trustpilot · Mar 2020
    Google Reviews
    Great reviews on Google
    Business owners and funding partners share their experience. Read them on Google →
    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…
    Coast to Coast Funding GroupGoogle review
    It is always a pleasure working with the folks at Smart Business Funding. Monique and Anthony always go above and beyond for their clients!
    Brian T.Google review
    Pleasure working with Anthony and Kimberly. They get deals done!
    Randy E.Google review
    One of the best firms for capital. Honest, fast and very dependable.
    Howard N.Google review
    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.
    Dennis T.Google review
    …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…
    Gail M.Google review
    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.
    John S.Google review
    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!
    Dave T.Google review

    Selected five-star reviews, quoted as posted (some shortened).

    Apply Now Read All Trustpilot Reviews
    2420 NE 186th Street, Suite 401, North Miami Beach, Florida 33160
    1-866-737-6278 (866-Re-Smart)
    347-402-1650
    info@smartbusinessfunder.com
    Smart Business Funding® is a registered trademark | U.S. Reg. No. 7,637,151
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