Business Funding for Every Industry That Drives America
From restaurants to contractors, healthcare to retail, Smart Business Funding delivers fast, flexible funding shaped around how your industry actually earns and spends. Find your trade below.
Industry funding, in four numbers
The same fast process, whatever your trade.
Restaurant, Food and Beverage Funding
Margins are thin and costs move fast. Funding can cover a new oven, a patio build-out, bulk ingredient orders, a second location or payroll during a slow stretch, so a good week is never wasted on a short supply shelf.
Construction and Skilled Trades Funding
Materials, crews and equipment come due before the client pays. Funding can bridge the gap between a signed job and the final invoice, so you can say yes to bigger projects and keep every crew working.
Healthcare and Senior Care Funding
Practices invest ahead of revenue. Funding can support new equipment, a larger space, added staff or the gap between billing and payment, so patients and residents keep getting great care.
Retail and E-Commerce Funding
Inventory is the engine of retail. Funding can help you stock up for the busy season, remodel a storefront, launch a webstore or run the marketing that brings customers through the door.
Transportation and Logistics Funding
Fuel, repairs, insurance and drivers are paid long before invoices clear. Funding can keep trucks rolling, add a trailer or cover operating costs while you wait on receivables.
Automotive and Vehicle Funding
From dealership lots to mobile mechanics, funding can help you buy inventory, add service bays, stock parts and tools, or market your business to more drivers.
Manufacturing and Industrial Funding
Large orders mean large upfront costs. Funding can pay for raw materials, upgraded machinery, added shifts and the working capital to deliver on a big purchase order.
Agriculture and Farming Funding
Farms and ranches run on seasons, not months. Funding can cover seed, feed, equipment, irrigation and facility upgrades, so you are ready when the season turns.
Technology and Innovation Funding
Growth-stage tech companies often spend before they earn. Funding can support hiring, hardware, infrastructure, product development and the marketing that brings in your next customers.
Hospitality and Entertainment Funding
Guests expect a polished experience year-round. Funding can cover renovations, seasonal staffing, marketing and upgrades that keep your property or venue booked.
Professional and Personal Services Funding
Service businesses grow one client at a time. Funding can pay for equipment, supplies, a second location, marketing or the payroll that supports your team.
Apply in minutes
Tell us about your business and send recent bank statements. A short application is all it takes to start.
Get your offer
Underwriting usually takes 1 to 5 hours on a complete file. Your funding specialist walks you through your options.
Get funded
Funding usually arrives 24 to 48 hours from application, and you put it to work in your business.
Why business owners choose us
Amounts up to $5,000,000
Funding from $10,000 to $5,000,000, depending on your business.
Fast, simple application
A short application and recent bank statements, with no heavy paperwork.
Quick 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.
Flexible use of funds
Payroll, inventory, equipment, marketing, expansion and more.
A dedicated funding specialist
Apply directly with us and you work with us, not a broker or middleman.
See exactly how our costs work on Transparent Terms, or learn about our merchant cash advance program.
Industry funding questions, answered
What industries does Smart Business Funding fund?
We fund over 140 types of small business, including restaurants, contractors, healthcare practices, retailers, trucking companies, manufacturers, farms, hotels, technology companies and service businesses. If you do not see your industry listed, apply anyway and your funding specialist will take a look.
How do I qualify for business funding?
Both of our programs require at least 1 year in business. Our Direct Fund program looks for about $50,000 per month in revenue, and our Marketplace program looks for about $5,000 per month. Your funding specialist will confirm what applies to your business.
How much funding can I receive?
Funding amounts range from $10,000 to $5,000,000, depending on your revenue, industry, business history and other underwriting factors.
How fast can I get funded?
Underwriting usually takes 1 to 5 hours on a complete file, and funding usually arrives 24 to 48 hours from application. Funding can arrive in as little as 24 hours.
What can I use the funds for?
Business funding can be used for working capital, payroll, inventory, equipment, expansion projects, marketing, hiring and other business expenses. Your industry page lists funding ideas specific to your trade.
Does applying affect my credit score?
We use a soft credit pull only, so applying does not add a hard inquiry to your credit report.
What is the minimum credit score?
We approve down to a 500 credit score. Your funding specialist will review your full business profile, not just your score.
How is a merchant cash advance different from a bank financing option?
A merchant cash advance is based mainly on your business's revenue, usually involves a simpler application and does not require collateral for our Direct Fund program. Bank financing often involves more paperwork, collateral and a longer wait. Compare your options and choose what fits your business.
More from Smart Business Funding
Ready to fund your business growth?
Apply directly with us and a funding specialist will guide you from application to funding.
Funding amounts, terms and eligibility depend on your business and are subject to approval. Funding is provided as a merchant cash advance through our Direct Fund and Marketplace programs. Images are illustrative.
