Small Business Funding in All 50 States
Wherever your business operates, Smart Business Funding provides fast, direct working capital built around your business's performance. Find your state below and get an underwriting decision usually in 1 to 5 hours.
Funding at a glance
Finding small business funding is simple with Smart Business Funding. We provide working capital to qualified businesses in every one of the fifty states, from single-location shops to multi-site operations. Banks can be slow, with strict requirements that make it hard to get capital exactly when you need it.
Every state has its own economy, seasonal cycles and cost pressures. A construction firm in Texas, a restaurant group in New York and a trucking company in Ohio each face different cash-flow realities. Choose your state below to see funding options and local guidance.
Find funding where your business operates
Filter by region or search for your state.
No states match your search.
From coast to coast
Get funded in three steps
The process is the same whether you are in California or Maine.
Apply online
Complete a short application in minutes. Checking your options uses a soft credit pull, so it does not affect your score.
Get a decision
Share a few recent business bank statements. Our team usually responds within 1 to 5 hours.
Receive your funds
With a complete application and documents, funding usually arrives within 24 to 48 hours.
The same fast, clear process in every state
Funding from $10K to $5M
Scaled to your revenue and growth goals.
Simple online application
Apply in minutes from anywhere in the country.
Fast decisions
Underwriting usually takes 1 to 5 hours on a complete file.
Funding in as little as 24 hours
Funding usually arrives 24 to 48 hours from application.
Credit down to 500
Soft pull only, so applying does not affect your score.
Dedicated specialists
Real guidance from application to funding.
Two programs, available in every state
Both are merchant cash advance programs and both require at least 1 year in business. Your specialist helps match the right one to your cash flow.
Direct Fund (in-house)
Funded directly by us. $50,000 or more in monthly revenue, amounts up to $5,000,000 and terms up to 15 months.
Marketplace (partner-funded)
Funded through our partner funders. $5,000 or more in monthly revenue and terms up to 18 months.
See factor rates and fees on our Transparent Terms page. Final amount, rate, fees and term depend on underwriting.
Frequently asked questions
Does Smart Business Funding provide funding in every state?
Yes. We provide merchant cash advances to qualified businesses in all 50 states. Every state has its own page, and the qualification and application process is the same nationwide.
How much funding can I get in my state?
Amounts range from $10,000 to $5,000,000. The exact amount depends on your monthly revenue, time in business, industry and overall business performance.
How fast can I get funded?
Underwriting decisions usually take 1 to 5 hours after we receive a complete application. Funding usually arrives within 24 to 48 hours from application and document verification.
What credit score do I need?
We approve down to a 500 credit score. We use a soft pull only, so checking your options does not affect your score. Approval also looks closely at your business revenue and performance.
What are the requirements?
Both of our programs require at least 1 year in business. Our in-house Direct Fund program requires $50,000 or more in monthly revenue, and our Marketplace program requires $5,000 or more.
What can I use the funds for?
Most owners use funding for working capital, payroll, inventory, equipment, marketing, hiring or expansion.
Is a merchant cash advance a loan?
No. A merchant cash advance is not a loan. It provides upfront capital in exchange for a fixed daily or weekly payment, and all terms are disclosed in writing before you sign.
Fund your growth, wherever you are
Apply online in minutes and hear back usually in 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.
