Get Funded in Three Simple Steps
Apply in minutes, hear back in hours, and see funds in your account usually within 24 to 48 hours of approval. No bank committee, no mountain of paperwork.
Fast where it counts
Apply. Qualify. Receive.
We built the process around your time, so you can get back to running your business.
Apply
Need extra working capital? Submit your application today. It only takes a few minutes and can be done online, over the phone, or by fax.
Takes a few minutesQualify
Our team reviews your file, usually with a quick phone call and a few standard business documents. We never ask for more than we need.
Decision usually in 1 to 5 hoursReceive
Once you approve your offer, funds are sent to your business account. Most merchants see them within 24 to 48 hours.
Funding usually in 24 to 48 hours
Qualifying is simpler than you think
We look at how your business performs, not just your personal credit history. If you meet the basics below, you are likely to qualify, and our team will confirm the details after you apply.
- At least 1 year in business
- Credit score of 500 or higher, with a soft pull only
- No open bankruptcies
- Monthly revenue that fits one of our two programs
Pick the program that fits your revenue
Direct Fund
Funded in-house by Smart Business Funding
- Monthly revenue
- $50,000+
- Time in business
- 1+ year
- Amounts
- $10K to $5M
- Terms
- Up to 15 months
- Factor rate
- 1.309 to 1.499
- Fees
- 5% to 10%
Marketplace
Funded through our partner funders
- Monthly revenue
- $5,000+
- Time in business
- 1+ year
- Amounts
- $10K to $5M
- Terms
- Up to 18 months
- Factor rate
- 1.22 to 1.499
- Fees
- 0% to 10%
Both programs are merchant cash advances, repaid with a fixed daily or weekly payment. They are not loans. Final amounts, factor rates, fees and terms depend on your business and are stated in writing before you sign.
Funding that gets your business moving
Use your funds where they help most. Business owners commonly put them toward:
Frequently asked questions
How long does the application take?
The application takes just a few minutes. You can complete it online, over the phone, or by fax.
How fast will I get a decision?
Underwriting usually takes 1 to 5 hours once we have a complete application and the required documents.
How fast will I receive funds after approval?
Funding usually arrives 24 to 48 hours after you approve your offer. As little as 24 hours is possible.
What do I need to qualify?
You need at least 1 year in business and a credit score of 500 or higher. Our Marketplace program requires $5,000 or more in monthly revenue, and our in-house Direct Fund program requires $50,000 or more. There should be no open bankruptcies.
Will applying hurt my credit score?
No. We use a soft credit pull only, so applying does not affect your score.
How does repayment work?
A merchant cash advance is repaid with a fixed daily or weekly payment, so you know the amount before you sign. It is not a loan. Factor rates and fees are stated in writing in your funding agreement.
How much funding can my business get?
Amounts range from $10,000 to $5,000,000, based on your monthly revenue, time in business and cash flow.
Do I need collateral?
Our direct merchant cash advance does not require collateral, although a personal guarantee or UCC-1 filing may still apply.
Ready to see what you qualify for?
Apply in minutes with a soft credit pull, and hear back usually within 1 to 5 hours.
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.
