By Anthony Collin, CEO, Smart Business Funding. $500M+ funded since 2014. Published October 13, 2026. Updated October 2026.
See how owners like you run the numbers. Each case study follows one owner from the first problem to the decision, with worked numbers and a checklist you can copy.
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All case studies
Illustrative compositeInvoice Financing: How a Wholesale Distributor Bridged a 60 Day Payment Gap
An illustrative case study: a distributor wins a $90,000 order but gets paid in 60 days. See the worked numbers for invoice financing and a decision…
Illustrative compositeLine of Credit vs Cash Advance: A Dental Practice Owner Decides
An illustrative case study: a dentist needs $30,000 of working capital. Compare staged line of credit draws with a lump sum cash…
Illustrative compositeEquipment Financing for an Auto Repair Shop: Why the Term Matters
An illustrative case study: a repair shop needs a $42,000 calibration system. See why matching the term to the life of the equipment changes the…
Illustrative compositeBusiness Funding With a 560 Credit Score: How a Salon Owner Got Funded
An illustrative case study: a salon owner with a 560 credit score and four years in business seeks $25,000. See what funders look at and the worked…
Illustrative compositeSmall Business Funding: How a 14-Month-Old Bakery Qualified
Illustrative composite: a bakery owner turned away by banks at 14 months splits her need, runs the dollars and funds her holiday…
Illustrative compositeEmergency Business Funding: An HVAC Company in a Heat Wave
Illustrative composite: an HVAC owner prices the cost of waiting against the cost of fast funding during a heat…
Illustrative compositeBusiness Financing Options: How a Trucking Company Chose
Illustrative composite: a trucking owner sorts three problems by urgency and lifespan and matches each to the right…
Illustrative compositeBusiness Funding vs Business Loan: A Retail Owner Runs the Numbers
Illustrative composite: a boutique owner compares a bank term loan with fast funding and prices what waiting…
Illustrative compositeMoney for Businesses: 7 Ways Owners Get Working Capital Quickly
Seven practical ways business owners find money for their business, from funding and credit lines to invoices and…
Illustrative compositeCash for Businesses: How to Cover a Cash Flow Gap
A cash flow gap does not mean your business is failing. Here is how to spot one, bridge it and keep it from coming…
Illustrative compositeAn illustrative Texas case study: a Fort Worth caterer wins a $48,000 a month contract and needs $60,000 in three weeks. See the worked numbers and a decision…
A contractor’s guide to funding growth without waiting on your bank.
You Won the Bid. Now How Do You Pay for It? Oct 9, 2026 · @Smart Business Funding A contractor’s guide to funding growth without waiting on your bank. The call…
Where to go next
- Merchant cash advance guide
- Business funding overview and business financing options
- Frequently asked questions and the glossary
Ready to see what you qualify for?
Offers usually come back in 1 to 5 hours on a complete file. Funding is usually 24 to 48 hours for the whole process from application. Soft credit pull only.
Apply Now1-866-737-6278 (866-Re-Smart)All funding is subject to underwriting, approval and applicable terms. Funding amounts, fees and timing vary by applicant and transaction. A merchant cash advance is not a loan. Smart Business Funding® is a registered trademark (U.S. Reg. No. 7,637,151).
