By Anthony Collin, CEO, Smart Business Funding. $500M+ funded since 2014. Updated October 2026.
Business financing from $10,000 to $5,000,000. Compare every option we offer, from a merchant cash advance with offers usually in 1 to 5 hours to lines of credit, equipment financing and more through our partners. Soft credit pull only.
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Business financings we offer, by program
Different needs call for different business financings. Here is every option, labeled by who provides it, so you can compare them side by side.
| Product | Program | What to expect |
|---|---|---|
| Merchant cash advance | Direct Fund Program (in-house) | Offers usually in 1 to 5 hours, funding usually in 24 to 48 hours, terms typically up to 10 months, fixed daily or weekly payment |
| Business line of credit | Partner platform | Funding within 24 to 48 hours, terms up to 12 months, interest only on what you draw |
| Working capital financing | Partner platform | Everyday operating cash, terms set by the partner |
| Invoice financing | Partner platform | Cash against unpaid invoices, terms set by the partner |
| Equipment financing | Partner platform | About 5 business days, terms up to 10 years |
| Asset based financing | Partner platform | Collateral such as property or vehicles, terms up to 10 years |
| Home equity line of credit | Partner platform | Up to $750,000 based on appraisal and liens, takes longer to close |
How to choose the right business financing
I need cash this week
The Direct merchant cash advance is built for speed. Start with the merchant cash advance guide.
My expenses vary
A line of credit lets you draw only when you need to, and you pay interest only on what you borrow.
I am buying equipment
Equipment financing spreads the cost over the life of the asset.
Customers pay me slowly
Invoice financing turns unpaid invoices into cash sooner.
I own property
Asset based financing and a home equity line use what you own to unlock larger amounts.
I need day to day cash
Working capital financing covers payroll, inventory and bills.
How our Direct business financing works
Apply
One short application with a soft pull only.
Send documents
Recent business bank statements show revenue and cash flow.
Review your offer
Offers usually arrive in 1 to 5 hours on a complete file.
Get funded
Funds usually arrive within 24 to 48 hours of applying. See how it works.
Business financing cost calculator
This calculator models our Direct merchant cash advance. Enter an amount, factor rate and term to see total payback, daily payment and the estimated APR equivalent, which is a comparison conversion only. Partner products show their own pricing.
Estimates only. Actual offers depend on underwriting. Assumes 21 business days per month and a fixed daily payment. Not a commitment to lend or fund.
Who qualifies
- At least 1 year in business and at least $5,000 in monthly revenue
- Our in-house Direct program starts at about $50,000 in monthly revenue, and our marketplace program starts at $5,000 per month
- Minimum credit score of 500, with a soft pull only, for the Direct program
- Partner products have their own requirements, which your representative will explain before you apply
Business financing vs a bank loan
A bank or SBA loan usually costs less over time but takes weeks or months, uses a hard credit pull and asks for more paperwork. Our Direct program wins on speed and flexibility, not on price. Read the full comparison in merchant cash advance vs SBA loan.
Business financing for your industry and state
We work with owners across the country, including restaurants, construction, trucking, healthcare and retail. Browse every trade on our industries page, or find your state on funding by state.
Learn more
Start with business funding, what is business funding and funding with bad credit. Our guides cover business financing options, money for businesses and cash for businesses.
Business financing FAQ
What is business financing?
Business financing is money a company obtains from outside sources to run or grow the business, such as for inventory, payroll, equipment, marketing or expansion. It includes advances, lines of credit, equipment financing, asset based financing and home equity lines, and each works differently.
What are the main types of business financings?
The main business financings are a merchant cash advance, a business line of credit, equipment financing, asset based financing, a home equity line of credit, working capital financing and invoice financing. Bank and SBA loans are another route, but they come from banks and SBA lenders, not from us.
Which business financing is the fastest?
Our Direct Fund Program merchant cash advance is the quickest we offer. Offers usually come in 1 to 5 hours on a complete file, and funding is usually in 24 to 48 hours from application, and can be as little as 24 hours.
How much business financing can I get?
Amounts range from $10,000 to $5,000,000, depending on your revenue, time in business, industry and the product. Our in-house Direct program starts at about $50,000 in monthly revenue, and our marketplace program starts at $5,000 per month.
Does applying affect my credit score?
No. We use a soft pull only, so applying does not affect your credit score. Our minimum credit score is 500.
What is the difference between business financing and business funding?
In everyday use, the two terms mean the same thing. We use business funding for the quick working capital we provide directly, and business financing as the wider umbrella that also includes products offered through partners. Our guide on what is business funding explains the basics.
Which products are offered directly and which through partners?
The merchant cash advance comes through our in-house Direct Fund Program. Lines of credit, equipment financing, asset based financing, home equity lines, working capital financing and invoice financing are offered through partner platforms, and each partner sets its own terms.
Can I get business financing with bad credit?
Yes, in many cases. We fund business owners with scores down to 500 under our Direct program, using a soft pull only. See our guide on getting business funding with bad credit for more detail.
Do I need collateral?
Not for our Direct merchant cash advance. Asset based financing and home equity lines use collateral by design, and equipment financing is typically secured by the equipment.
Where can I see the costs?
Our transparent terms page lists factor rate ranges, fee ranges and term lengths in plain numbers. Partner products show their own pricing before you accept.
Ready to compare your business financing options?
Offers usually in 1 to 5 hours on our Direct program, funding usually in 24 to 48 hours, from $10,000 up to $5,000,000.
Apply NowCall 1-866-737-6278 (866-Re-Smart)Brokers and ISOs: become a partner.
All funding is subject to underwriting and approval. Amounts, rates, factor rates, fees and timing vary by applicant, product and transaction. Products offered through partners are provided by those partners under their own terms. A merchant cash advance is not a loan. Some states require written commercial financing disclosures, see funding by state and transparent terms. Smart Business Funding® is a registered trademark (U.S. Reg. No. 7,637,151).
