Funding by State › Texas › Dallas
By Anthony Collin, CEO, Smart Business Funding. $500M+ funded since 2014. Updated October 2026.
Smart Business Funding provides merchant cash advances of $10,000 to $5,000,000 to Dallas businesses. Repayment is a fixed daily or weekly payment, we use a soft credit pull only, offers usually arrive in 1 to 5 hours on a complete file, and funding usually takes 24 to 48 hours. We fund Dallas businesses online. Our office is at 2420 NE 186th St in North Miami Beach, Florida. You apply directly with us and work with us, not a broker or middleman.
Dallas small business snapshot
Small businesses make up about 99.6 percent of firms in the Dallas-Fort Worth area, and many are small enough that one late payment can strain cash flow. Working capital can cover the wait.
Figures for Dallas County and the Dallas-Fort Worth area as reported by the sources listed at the bottom of this page.
Dallas industries we fund
- Construction and contractors: A fast-growing region keeps contractors busy. Funding can cover materials, crews and equipment while you wait on draws and payments.
- Trucking and freight: Freight and logistics carriers use funding for fuel, repairs and driver pay between invoices.
- Healthcare practices: Medical, dental and wellness practices use funding for equipment, staffing and a second location.
- Restaurants and hospitality: Restaurants and hospitality businesses fund payroll, inventory and build-outs ahead of busy seasons.
- Professional services: Professional services firms use funding for hiring, marketing and slow-paying client invoices.
Not on the list? See all the industries we fund.
How Dallas businesses use working capital
- Buying materials or equipment ahead of a large job
- Covering fuel, repairs and drivers between invoices
- Hiring and training staff for a busy stretch
- Opening another location in the metro area
How a merchant cash advance works
A merchant cash advance gives your business a lump sum of working capital. It is not a loan, so the cost is set by a factor rate instead of an interest rate, and you know your total repayment before you accept. For example, $50,000 at a 1.35 factor rate over 10 months repays $67,500, with a fixed daily payment of $321.43. Our in-house Direct Fund program uses factor rates of 1.25 to 1.49 for prime files and 1.309 to 1.499 for higher-risk files, with fees of 5% to 10%. See the exact structure on our Transparent Terms page, learn the basics on our merchant cash advance page, or estimate your payment with our calculator. If you are weighing options, read merchant cash advance vs. line of credit.
Who can apply in Dallas
- At least 1 year in business
- At least $5,000 in monthly revenue
- Soft credit pull only, with a minimum credit score of 500
- Funding from $10,000 to $5,000,000
See what your Dallas business qualifies for
Offers in 1 to 5 hours on a complete file, funding in 24 to 48 hours, up to $5,000,000. No cost to apply, no obligation.
Dallas funding questions
Do you fund businesses in Dallas?
Yes. We fund Dallas businesses online. Our office is at 2420 NE 186th St in North Miami Beach, Florida. You apply directly with us and you work with us, not a broker or middleman. To qualify, you need at least 1 year in business and at least $5,000 in monthly revenue.
How much funding can a Dallas business get?
Smart Business Funding provides merchant cash advances from $10,000 to $5,000,000. The amount you qualify for depends on your revenue and time in business, and the total repayment is shown in your written offer.
How fast can a Dallas business get funded?
Offers usually arrive in 1 to 5 hours on a complete file, and funding is usually 24 to 48 hours for the whole process from application. As little as 24 hours is possible.
Do I need strong credit to qualify in Dallas?
We use a soft credit pull only, so applying does not affect your credit score. The minimum credit score for our Direct merchant cash advance is 500.
Will I receive a written cost disclosure before signing in Texas?
Yes. Texas Finance Code Chapter 398 requires providers to give a written disclosure (total financing amount, finance charge, total repayment amount and payment details, along with the recipient's signature) for covered sales-based financing of less than $1,000,000. Smart Business Funding provides written terms for every offer, including your total funds provided, total repayment, total cost and payment schedule, before you sign. This is general information, not legal advice.
Which Dallas industries do you fund?
We fund construction and contractors, trucking and freight, healthcare practices, restaurants and hospitality, professional services, and many other industries. See all of them on our industries page.
Texas funding and disclosures
Texas applicants: Texas Finance Code Chapter 398 requires providers to give a written disclosure (total financing amount, finance charge, total repayment amount and payment details, along with the recipient's signature) for covered sales-based financing of less than $1,000,000. Smart Business Funding provides written terms for every offer, including your total funds provided, total repayment, total cost and payment schedule, before you sign. This is general information, not legal advice.
See our full Texas business funding page, or browse funding by state.
Also serving: MiamiNew York CityLos AngelesChicagoHoustonAtlantaPhoenix
Sources
- U.S. Chamber of Commerce, The State of American Business: By the Numbers, 2025
- U.S. Census Bureau QuickFacts: Dallas County, Texas
This page is general information, not legal, tax or financial advice. Funding is subject to underwriting and approval. Amounts, pricing, fees and timing vary by applicant.
