Most owners put off asking about funding because they fear the process. Here is the simple version: complete one application, and the Direct program starts with a soft credit inquiry.
What to expect
- Apply: complete the online application or use Complete & Sign Application.
- Review: our team underwrites the file and may ask for documents.
- Decision: offers on a complete file are generally issued in 1 to 5 hours.
- Funding: Direct funding generally takes 24 to 48 hours after a complete application, subject to underwriting and documentation.
The facts at a glance
- Business funding from $10,000 up to $5 million
- Daily or weekly payment options
- Soft credit inquiry to start
- Serving merchants since 2014, BBB A+
- Customer reviews on Trustpilot
All funding is subject to approval, and not every business qualifies for every program.
Start today
Merchants: apply today.
Brokers: submit a deal.
Call 866-RE-SMART (866-737-6278).
Your next step
Learn who we are, then see our business funding options.
Apply nowAbout Smart Business FundingCompare all optionsOur initial Direct Fund Program credit review uses a soft inquiry. Credit inquiry requirements for other financing programs may vary and will be disclosed where applicable. Some complete applications may receive offers within hours, but timing varies and is not guaranteed. All funding is subject to underwriting and approval. Call 1-866-737-6278 (866-Re-Smart).
