By Anthony Collin, CEO, Smart Business Funding. $500M+ funded since 2014. Updated October 2026.
Business funding from $10,000 to $5,000,000. Offers usually in 1 to 5 hours on a complete file, funding usually in 24 to 48 hours, and a soft credit pull only, so applying does not affect your credit score.
Apply NowTry the Calculator1-866-737-6278
Types of business funding we offer
Most owners need money for a specific job, so we match the product to the job. Every option below starts with one short application.
Merchant cash advance
Our fastest option. A fixed daily or weekly payment, terms typically up to 10 months, and no collateral for our Direct program.
Business lines of credit
Draw only what you need and pay interest on what you borrow. Offered through partners, with terms up to 12 months.
Equipment financing
Buy, replace or upgrade equipment through specialized partners. Terms up to 10 years and about 5 business days.
Asset based financing
Use a home, vehicle, boat or other asset as collateral. Terms up to 10 years through partners.
Home equity line of credit
Borrow against the equity in a property for larger, longer term needs, up to $750,000.
Credit card processing
Lower your processing costs and get a free point of sale terminal through our processing partners.
How business funding works
Apply
Fill out one short application. It takes a few minutes and uses a soft pull only.
Send documents
Share recent business bank statements so we can see your revenue and cash flow.
Review your offer
Offers usually arrive in 1 to 5 hours on a complete file, with the amount, factor rate, fees and payment shown up front.
Get funded
Sign, and funds usually arrive within 24 to 48 hours of applying. Read more on how it works.
Business funding cost calculator
Enter an amount, a factor rate and a term to see your total payback, daily payment and the estimated APR equivalent. The APR figure is a comparison conversion only, since an advance has a factor rate, not an interest rate. For more tools, see our qualification estimator and factor rate converter.
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
- Minimum credit score of 500, with a soft pull only
- Recent business bank statements
- Our in-house Direct program starts at about $50,000 in monthly revenue, and our marketplace program starts at $5,000 per month
Business funding vs a bank loan
| Business funding with us | Typical bank or SBA loan | |
|---|---|---|
| Time to offer | Usually 1 to 5 hours | Often weeks to months |
| Time to funds | Usually 24 to 48 hours from application | Often 30 to 90 days |
| Credit check | Soft pull only | Usually a hard pull |
| Paperwork | Minimal, mainly bank statements | Tax returns, plans, statements |
| Repayment | Fixed daily or weekly payment | Monthly payment |
| Cost | Factor rate and fees, usually higher in total | Interest rate, usually lower in total |
Speed and flexibility cost more than a bank loan, and a bank loan is a good choice when you can wait. See the full comparison in merchant cash advance vs SBA loan.
Industries we fund
We fund 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.
Ways owners use business funding
- Buy inventory before a busy season
- Cover payroll or hire for growth
- Run a marketing push
- Repair or replace equipment
- Open a second location or remodel
- Bridge a slow stretch of cash flow
Looking at the wider picture? Compare every option on our business financing page, including working capital financing and invoice financing. New to this? Start with what is business funding, or read how business funding works with bad credit. Read our guides on why get funded, plus our posts on business financing options, how business funding works, money for businesses and cash for businesses.
Business funding FAQ
What is business funding?
Business funding is working capital a company receives to cover costs or take advantage of an opportunity, such as inventory, payroll, marketing, equipment or expansion. It can come as a merchant cash advance, a line of credit, equipment financing or other products, and the right one depends on your revenue, time in business and goal.
How fast can I get business funding?
On a complete file, offers usually come within 1 to 5 hours. Funding usually lands within 24 to 48 hours of applying, and it can be as little as 24 hours. Timing depends on how quickly documents come back and on the product you choose.
How much business funding can I get?
Amounts range from $10,000 to $5,000,000. The amount you qualify for depends on your monthly revenue, your time in business and your industry. Use the calculators on our merchant cash advance page for a quick estimate.
Will applying hurt my credit score?
We use a soft pull only, so applying does not affect your credit score. Our minimum credit score is 500. We look at your business revenue and cash flow, not only your score.
What do I need to qualify?
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. You will also need recent business bank statements.
Is business funding the same as a bank loan?
No. A merchant cash advance is not a loan. It is an advance with a factor rate and a fixed daily or weekly payment, and it is built for speed and flexibility. A bank or SBA loan usually costs less over time but takes weeks or months and has stricter requirements.
How does repayment work?
Repayment is a fixed daily or weekly payment, so you know the amount before you sign. Terms are typically up to 10 months, and sometimes up to 15 months. Once you have paid back 50 to 70 percent and your account is in good standing, you may qualify for a renewal.
Do I have to put up collateral?
No collateral is required for our Direct merchant cash advance. Other products offered through partners, such as asset-based financing or a home equity line of credit, use collateral by design. Ask your representative which fits.
Do you work with brokers?
Yes. If you apply directly with us, you work with us, not a broker or middleman. We also welcome brokers and ISOs through our partner program. Brokers can earn up to 15 percent on funded deals, and the first to return signed documents gets the deal.
Where can I see the exact costs?
Our Transparent Terms page lists factor rate ranges, fee ranges and term lengths in plain numbers, so you can see the cost before you apply. Funding availability and terms vary by state, and some states require written disclosures.
Ready to see your offer?
Offers in 1 to 5 hours, 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, factor rates, fees and timing vary by applicant and transaction. 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).
