Business Merchant Cash Advance

Getting additional funding for your business is quick, simple and stress-free with Smart Business Funding. We are committed to helping businesses of all sizes get the financial backing they need to grow or save their business. There’s no reason you should have to turn down a new business opportunity simply because you are short on funding for the month. With Smart Business Funding at your side, you can utilize our Merchant Cash Advance option to further the financial funding for your business.

Merchant Cash Advance Process

Getting the funds for your business is simple. With our quick application process, you’ll have additional funding in no time. Our process is broken into 4 steps: Apply, Qualify, Receive, and Reimburse.


Your or a financial expert from your organization fills out a brief business funding application and sends it to our team along with bank statements of the business over the last three months.


Our team will review the information you’ve provided. Generally, most inquiries get approved within a matter of hours. In order to qualify for a merchant cash advance, the following conditions must be met:

  • Minimum sales volume of $5,000.00.
  • Business has been in operation for at least 3 months.
  • Back account must not go negative more than 8 times per month.

  • Receiving

    Receiving your new funding from Smart Business Funding can take 24 hours or less! If there are no hiccups in the application and qualifying stages, we can get the funds to you within 24 hours after approval. Our goal is to get your business funds into your hands as fast as possible. We will work with you to make sure that happens.


    Paying back the merchant cash advance can be spanned across a few or many months, depending on your agreement. On average, merchant cash advances can extend between 3 and 24 months based on various credentials and information. In order to fully reimburse your funding, Smart Business Funding “captures” a daily or a weekly amount towards paying back the advance.

    Frequently Ask Questions

    A : The cost of the funds is different for each business owner. Underwriting determines the cost of the capital based on a variety of factors including credit, location, industry type and debt the business has.
    A : We do have weekly repayment options subject to eligibility.
    A : No. There are never any penalties for paying off the advance early. We actually offer discounts and incentives for paying back the advance early.

    A : There is no reporting to any credit reporting agency.

    A : Businesses are typically eligible for renewal as soon as they are 50% paid back.

    A : Phone: 866-Re-Smart or email:
    A :  We are located in Brooklyn NY.
    A : Yes, we are proud of our A+ rating with the Better Business Bureau. Here is the link to our profile:

    Get The Funding You Need Today

    Businesses of all sizes are encouraged to contact us about our merchant cash advance option or apply for a cash advance today! Funding from Smart Business Funding that backs your business to help it grow can be the difference between an average business and one that succeeds and surpasses competitors. Contact us today to learn more!