Its unfortunate that many people in the United States have bad credit. The financial collapse of 2008 and other obstacles have challenged merchants credit scores in the past 10 years. Credit card companies and traditional lenders have a strict set of rules and regulations and if a merchant has below a 500 credit score they are automatically declined. Smart Business Funding can help those merchants receive financing through our special High Risk department. Even if a business owner has below a 500 credit score, Smart’s High Risk department will still underwrite and look to fund based on the cash flow of the business. Our high risk department is fearless!