A Direct Funder for American Small Businesses
Smart Business Funding provides merchant cash advances and working capital to small businesses. Underwriting decisions usually take 1 to 5 hours, and funding usually arrives 24 to 48 hours from application.
Over a decade of funding small business
Built to give small business owners a straight answer
Smart Business Funding started in December 2014. Small businesses are the lifeblood of the American economy, yet traditional lenders often mean weeks of waiting and rigid requirements. We built a direct funding company that looks at how your business is actually performing.
More than a decade later, we have funded over $500 million for small businesses. In 2020 we were named to the Inc. 5000 list of fast-growing private companies. We are led by Anthony Collin, CEO, and headquartered in North Miami Beach, Florida.
We publish our factor rates, fees and terms openly. See our Transparent Terms page.
Speed, clarity and a real person to talk to
We built our funding process around fast answers, clear terms and personal support, so you can run your business instead of waiting on underwriters.
Fast underwriting
Decisions usually come within 1 to 5 hours after we receive a complete application.
Funding in as little as 24 hours
From application to funding usually takes 24 to 48 hours, sent straight to your business bank account.
Credit down to 500
We approve down to a 500 credit score, with a soft pull only. Applying does not affect your score.
No collateral required
Our core merchant cash advance is based on your revenue, not physical assets. A personal guarantee may apply.
Simple application
Apply online in minutes. We ask for a short application and 3 to 4 months of bank statements.
Personal support
Work directly with a funding specialist who knows your file and your goals.
Capital based on your sales, with clear terms
A merchant cash advance provides upfront working capital in exchange for a fixed daily or weekly payment. It is not a loan, and it is evaluated on your business's current sales rather than only your credit.
Owners use it to buy inventory, expand a location, cover payroll, repair equipment or bridge slow invoice cycles. You see every term in writing before you sign.
Two programs, simple requirements
If your operating business meets these basics, you can apply online and get a decision fast. Final amount, factor rate, fees and term depend on underwriting.
Direct Fund (in-house)
- Time in business
- 1 year or more
- Monthly revenue
- $50,000 or more
- Credit score
- 500+, soft pull
- Amounts
- $10K to $5M
- Terms
- Up to 15 months
Marketplace (partner-funded)
- Time in business
- 1 year or more
- Monthly revenue
- $5,000 or more
- Credit score
- 500+, soft pull
- Amounts
- $10K to $5M
- Terms
- Up to 18 months
Documentation: 3 to 4 months of business bank statements. See Transparent Terms for factor rates and fees.
Funding for the way your industry works
We fund businesses in all 50 states. See funding by state or browse all industries.
Three steps to funding
Apply online
Complete our short application with basic business details. It takes only a few minutes.
Fast underwriting
Our team reviews your file and usually issues a decision within 1 to 5 hours.
Receive your funds
After you accept your offer, funding usually arrives 24 to 48 hours later, directly in your bank account.
Benefits of Smart Business Funding's Funding Program
Our merchant cash advance programs are built to keep your business moving, with clear terms and options that grow with you.
Tax-Deductible Funding
Funding costs may be deductible as a business expense, which can help reduce your tax liability. Ask your tax advisor how it applies to your business.
Renewal at 50% to 70% Paid Back
Once you have paid back 50% to 70% of your advance and your account is in good standing, you may qualify for a renewal. We review your account and walk you through your options. Request a renewal.
Side-by-Side Deals
If you need additional funding during your current advance, ask us about side-by-side options. Eligibility is subject to review.
Fast Funding
We typically provide funding within 24 to 48 hours from application, so your cash flow stays uninterrupted.
Simple and Quick
The application requires minimal documentation, so you can go from application to funding quickly and efficiently.
Flexible Use
Use your funding for business expenses of all kinds, including marketing, inventory, expansion and operating costs.
Works Alongside Other Financing
You may be able to use other financing while working with us, subject to a review of your existing obligations. See funding with an existing MCA.
No Collateral Required
Our direct merchant cash advance does not require collateral, so you can focus on growing your business. A personal guarantee or UCC-1 filing may still apply.
No Impact on Your Personal Credit Score
We use a soft credit pull only, so applying does not affect your personal credit score. We look at your business performance along with your credit profile.
Why Smart Business Funding?
Credentials you can verify and a team you can reach.
A+ Rating with the BBB
Smart Business Funding is rated A+ by the Better Business Bureau. View our BBB profile.
5-Star Trustpilot Rating
Our clients consistently rate us five stars for service and reliability. Read our Trustpilot reviews.
Responsive Customer Service
Our team is here for questions, balance requests and renewals. Call 1-866-737-6278 (866-Re-Smart) or see our business hours.
Featured on the Inc. 5000
Smart Business Funding was honored on the 2020 Inc. 5000 list of the fastest-growing private companies in America. Read our Inc. profile.
Experienced Leadership
Our management team brings more than a decade of experience in the alternative finance industry, so you get reliable, informed guidance.
Dedicated Representative
You work with a dedicated representative who helps you navigate your funding options and makes sure your business needs are met.
A Direct Funder
Apply directly with us and you work with us, not a broker or middleman. That means faster decisions and clearer communication.
Clear Terms
You see the amount, factor rate, fees and payment schedule before you accept. Review our Transparent Terms.
Since 2014, Smart Business Funding has funded more than $500 million for small businesses across the country, supporting growth, expansion, marketing and operating expenses, and helping create jobs and new opportunities nationwide.
A Federally Registered Trademark
Smart Business Funding® is registered with the U.S. Patent and Trademark Office (Reg. No. 7,637,151, registered January 7, 2025). We have served business owners under this name since December 2014.
Frequently asked questions
What makes Smart Business Funding different from traditional banks?
We are a direct funder, so there is no bank committee and no weeks of waiting. Underwriting decisions usually take 1 to 5 hours after we receive a complete application, and funding usually arrives 24 to 48 hours from application. Our core merchant cash advance product does not require collateral, although a personal guarantee may apply.
Where is Smart Business Funding located?
We are headquartered at 2420 NE 186th Street, Suite 401, North Miami Beach, Florida 33160, and we serve business owners nationwide across all 50 states.
What funding products do you offer?
We offer two merchant cash advance programs. Our in-house Direct Fund program requires $50,000 or more in monthly revenue. Our Marketplace program, funded through partner funders, requires $5,000 or more in monthly revenue. Both require at least 1 year in business and offer amounts from $10,000 to $5,000,000.
Does applying impact my credit score?
No. We use a soft credit pull only, so applying does not affect your score. We approve down to a 500 credit score.
How much funding can my business get?
Amounts range from $10,000 to $5,000,000, based on your monthly revenue, business history and cash flow.
Do you work with brokers?
Yes. We welcome ISOs, brokers and advisors through our partner program. When a business owner applies with us directly, they work with us, not a broker or middleman.
Ready to grow your business?
Get funding from $10,000 to $5,000,000, backed by a team that picks up the phone.
2420 NE 186th Street, Suite 401, North Miami Beach, FL 33160
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.
