Place Your Merchants With a Funder That Answers Fast
Smart Business Funding works with ISOs, independent brokers, CPAs and business advisors. Send us a complete file and you hear back in hours, with a real person on the other end.
Fast. Big. Flexible.
Built for the way brokers actually work
You bring the relationship. We bring a fast answer, clear terms and a team that picks up the phone.
Fast answers
Underwriting usually takes 1 to 5 hours once your file is complete, so your merchant is not left waiting.
One direct funder
We fund in-house, so you deal with the people who make the decision. No hand-offs and no guessing.
Wide credit range
We approve down to a 500 credit score with a soft pull only, so you can keep more deals alive.
Clear terms
Factor rates, fees and terms are published openly. Your merchants know what to expect before they sign.
Your files are always protected
Your files stay protected from submission to funding. Eligible renewals and add-ons are handled under your Sales Partner Agreement.
A real partner desk
Talk to a person about your file, your merchant and your timeline. No ticket queue.
One program. Funded in-house.
Here is exactly what your merchants can expect. Final amount, factor rate, fees and term depend on underwriting.
- Time in business
- 1 year or more
- Monthly revenue
- $50,000 or more
- Credit score
- 500+, soft pull only
- Amounts
- $10,000 to $5,000,000
- Factor rate
- 1.309 to 1.499
- Fees
- 5% to 10%
- Terms
- Up to 15 months
- Payments
- Fixed, daily or weekly
See our Transparent Terms page for the full picture.
Earn up to 15% commission on funded deals
Bring us your merchants and get paid when the deal funds. We also offer bonuses and incentives for partners who send us deals.
See what a deal could earn
Move the slider to pick a funded amount. The result shows the most you could earn at the top 15% rate.
Illustration only. The commission on each deal is set by your Sales Partner Agreement and depends on the deal, so your rate may be lower than the top rate shown. Paid on funded deals.
Up to 15% commission
Paid on funded deals under your Sales Partner Agreement.
Bonuses
We offer bonuses to partners who send us deals. Ask your partner desk what is available now.
Incentives
Partner incentives for active partners, so the more you place with us, the more there is to earn.
First signed docs wins
More than one broker on the same file?
Whoever gets the signed documents back to us first gets the deal. It is simple and fair, so get your merchant signed quickly.
What we need from you
Send a complete file and we get started right away.
Three steps to your first funded deal
Sign up
Complete the short partner registration and sign your Sales Partner Agreement.
Submit your deals
Send the application and bank statements. Underwriting usually takes 1 to 5 hours.
Close and get paid
Once the deal funds, your commission is paid under your agreement. Funding usually arrives 24 to 48 hours from application.
If you advise business owners, we can help
A note on how we work with merchants: when a business owner applies with us directly, they work with us, not a broker or middleman. When a merchant comes through you, you stay their trusted advisor from submission to funding.
Partner questions
Who can become a partner?
ISOs, independent brokers, CPAs and accountants, equipment dealers, franchise consultants and business advisors who want a direct funder for their merchants.
How fast do you underwrite and fund?
Underwriting usually takes 1 to 5 hours after we receive a complete file. Funding usually arrives within 24 to 48 hours from application.
What happens if more than one broker submits the same merchant?
The broker whose signed documents come back to us first gets the deal.
What does a partner need to submit?
A completed application and 3 to 4 months of business bank statements. The merchant needs at least 1 year in business and $50,000 or more in monthly revenue.
How are commissions paid?
Partners can earn commissions of up to 15% on funded deals, paid under your Sales Partner Agreement, and we also offer bonuses and incentives. Ask your partner rep for the current schedule.
Are my files protected?
Yes. Your files are always protected. Eligible renewals and add-ons are handled under the terms of your Sales Partner Agreement.
What credit score do you accept?
We approve down to a 500 credit score. We use a soft pull only, so it does not affect the merchant's score.
Ready to place your next deal?
Join our partner network and get a fast answer on your next file.
Questions? Call 1-866-737-6278 (866-Re-Smart).
Smart Business Funding provides merchant cash advances, which are not loans. All funding is subject to underwriting approval. Amounts, factor rates, fees and terms vary by merchant.
