Pricing & Terms
Transparent Terms. No Hidden Fees. No Fine Print.
Two funding paths, both explained in plain numbers before you ever apply — the exact amount ranges, terms, factor rates, and fees for every deal Smart Business Funding puts in front of you.
Smart Business Funding offers two funding paths: a Direct Fund Program we fund ourselves, and a Marketplace Program funded through vetted partners. Here is exactly how each one works, in the same numbers our underwriting team uses — not a teaser rate that changes once you apply.
The Two Programs
Direct Fund vs. Marketplace, Side by Side
Both require at least 1 year in business. Repayment on both is a fixed daily or weekly remittance — set at origination and never changing over the term. This is not a loan; there is no interest rate, because repayment is a purchase of future receivables, not an interest-bearing installment.
In-House
Direct Fund Program
- Funding amount$10,000–$5,000,000
- TermUp to 15 months
- Factor rate1.309–1.499
- Fees5–10% of funded amount
- Monthly revenue required$50,000+
- Time in business1 year min.
Partner-Funded
Marketplace Program
- Funding amount$10,000–$5,000,000
- TermUp to 18 months
- Factor rate1.22–1.499
- Fees0–10% of funded amount
- Monthly revenue required$5,000+
- Time in business1 year min.
See the Math
A Worked Example for Each Program
Every deal we send you shows this same breakdown before you sign — funded amount, factor rate, fee, and the fixed remittance you'll actually pay.
Direct Fund Program · Illustrative example, not an actual client
$50,000 advance · 1.35 factor · 12-month term
A 7.5% fee on a 12-month term, repaid weekly.
- Total payback ($50,000 × 1.35)$67,500
- Fee (7.5%, deducted at funding)$3,750
- Net funds disbursed$46,250
- Fixed weekly remittance (÷ 52 wks)≈ $1,298/wk
Marketplace Program · Illustrative example, not an actual client
$50,000 advance · 1.30 factor · 18-month term
A 5% fee on an 18-month term, repaid weekly.
- Total payback ($50,000 × 1.30)$65,000
- Fee (5%, deducted at funding)$2,500
- Net funds disbursed$47,500
- Fixed weekly remittance (÷ 78 wks)≈ $833/wk
Both programs require at least 1 year in business. The Direct Fund Program requires $50,000+ in average monthly revenue; the Marketplace Program requires $5,000+ in average monthly revenue. Actual factor rate, term, and fee depend on your business's financial profile and are confirmed in writing before you accept any offer.
Answers
Frequently Asked Questions
Is a merchant cash advance a loan?+
What is a factor rate?+
How is the fee applied?+
Why does the Marketplace Program have a wider fee range than the Direct Fund Program?+
Can my remittance change during the term?+
No Hidden Fees. No Fine Print.
See Exactly What You'd Qualify For
Apply in minutes and get a written offer that shows your funded amount, factor rate, fee, and fixed remittance — before you decide anything.
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