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How it Works

How does funding for business work?

Learn about Merchant Cash Advance and more

If you’re thinking about applying for business financing through Smart Business Funding, we want you to know that we try to make it as easy and pain-free as possible for you. If you’re ready to take advantage of our business funding program, it’s as simple as applying, qualifying, and receiving.



To begin, you need to complete our short application. It should only take a few minutes, and it can be completed online, over the phone, or via fax.


After you’ve applied and we’ve received your application, we will begin the process of qualifying you and your business. This will typically entail a phone call where we gather more information from you. We will ask you to submit a few standard business documents, but we will never ask for more than we need. We will always do our best to get you approved as quickly as possible. Generally speaking, if you’ve been in business for more than 3 months and you have at least $5,000.00 in monthly sales, you will qualify. Businesses are typically approved for funding within one business day, though they do occasionally take longer. Either way, we strive to get you your money as soon as we can.


The final step of the process involves receiving your funds. After you’ve been approved, we can have the funds to you within 24 hours. Keep in mind that we always try to get you as much extra business capital as possible and get that money to you as fast as we can.

Now that you have an idea of how the application and approval process works, you need to know a little more about Smart Business Funding’s Merchant Cash Advance program for your business.

Smart Business Funding 

Smart Business Funding’s Business Funding program involves capital of up to 125% of your monthly bank deposit volume. You get immediate money in an easy, efficient and professional process.

Our Funding Process


If you are in need of extra working capital for your business, submit your application today.


If you have been in business for at least 3 months and have $5,000.00 in monthly sales with no open bankruptcies, you qualify!


Once you approve our offer, we can have the funds wired to you within 24 hours of approval.