Who Are We?

We at Smart Business Funding, are a financial service company specializing in providing funding to small businesses that are, for the most part, considered undesirable applicants for funding from banks and other lenders. We are business focused on helping you get what you need when you need it when it comes to financing and through us, you would get the best terms for your business with the least amount of work on your part. While traditional lenders focus on the credit scores or the industry your business works in, we focus more on establishing a connection with all of our clients helping them get access to working capital that would help their business grow. Applying for financing cannot be made any easier for your business and with our financing options, merchants would be able to repay the full amount borrowed without paying a fixed rate or interest. Here at Smart Business Funding, you’re more than just a client which is why we treat with the upmost respect and take careful considerations into understanding what your small business needs specifically when it comes to working capital. Our funding services typically come in the form of a merchant/commercial cash advance which comes with all the benefits of the funding received from a traditional lender though with fewer restrictions.


To begin, you need to complete our short application. Completing the application usually takes less than an hour to do so and can be completed by phone too.


After receiving your application, we usually call applicants by phone to gather more information about them to further determine their eligibility. We will require that you submit additional business documents and get to work on funding you quickly. To qualify, all we ask is that you’ve been in business for at least 3 months and make a minimum of $10,000 a month in sales. Though we’re flexible when it comes to funding different industries, we don’t fund business operating in the payday lending industry or law practices.


Businesses can typically receive between $1,000-$500,000 in funding in less than 2 days.


From there, we the repayment process begins in which we obtain a small portion of your business’s credit sales at an adjusting rate so that you won’t fall behind when it comes to repayment.

Funding Options

Understanding the process, however, is only beginning when it comes to applying for financing. When it comes knowing what options exist for your business, we encourage all interested applicants to explore our website at www.smartbusinessfunder.com and see what industry your business falls under. Once you’ve had, you can call or text us at 917-533-2979 to talk to our experts or apply online to begin the process. Getting rejected for funding is not the end of the world so come apply with us today!



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