The Process
How Does Business Funding Work?
Getting funded is a matter of three steps: apply, qualify, and receive your funds. We've made each one as simple and straightforward as possible.
Three Simple Steps
Apply. Qualify. Receive.
Apply
If you need extra working capital for your business, submit your application today. It only takes a few minutes, and it can be completed online, over the phone, or by fax.
Qualify
After you apply, our team begins the qualification process — typically a phone call and a few standard business documents. We'll never ask for more than we need.
Receive
Once you approve our offer, funds are typically sent to your business the same or next business day.
The Timeline
From Application to Funding
Here's how fast the process typically moves once you've submitted a complete application.
Qualification
What You Need to Qualify
Qualifying is simple — we focus on your business's performance, not just your personal credit history.
Generally Speaking...
If your business meets these basics, you're likely to qualify. Our team will confirm the specifics once you apply.
- At least 1 year in business
- Monthly revenue of $50,000 or more
- No open bankruptcies
- Credit score of 500 or higher (soft pull only)
Answers
Frequently Asked Questions
How long does the application take?+
How fast is the qualification process?+
How fast will I receive funds after approval?+
What do I need to qualify?+
Ready to Get Started?
Apply Today and See What You Qualify For
Now that you know how the process works, learn more about Smart Business Funding's Merchant Cash Advance program for your business.
Apply Now →
