Why Get Funded? Seven Smart Reasons Business Owners Use Funding
Funding is not only for businesses in trouble. It is a tool healthy businesses use to move fast on a real opportunity, cover a timing gap or grow on their own schedule. Find the reason that fits you.
Soft pull only. Apply directly with us.
Funding that moves at the speed of your business
What is going on in your business right now?
Pick the situation that sounds most like yours and we will point you to the guide that fits. It takes five seconds, and nothing is submitted.
- Seven common situations, one simple tool
- Each guide explains how funding can help
- Apply directly with us
Seven reasons businesses turn to funding
Some are urgent, some are proactive. All of them are about acting at the right time. Funding amounts range from $10,000 to $5,000,000.
Emergency and Cash-Flow Gaps
Payroll due before an invoice clears, a broken piece of equipment, or tax and insurance bills landing the same week. Funding can close the gap so a timing problem never becomes a bigger one. Funding usually arrives 24 to 48 hours from application.
Read the Emergency Funding Guide
Opportunistic Bulk Purchasing
A supplier discount, closeout or short-notice volume deal rarely stays open for long. Bulk purchasing funding provides the upfront capital to lock in a lower per-unit cost before the window closes.
Read the Bulk Purchasing GuideGrowth and Expansion Capital
A new location, a remodel, a bigger team or scaling ahead of demand all take capital before the growth pays for itself. Expansion funding can power the next stage without selling equity.
Read the Growth Capital Guide
Working Capital and Daily Operations
Restocking inventory, marketing spend, payroll and everyday overhead do not pause for slow months. Working capital funding keeps day-to-day operations steady so you can focus on customers.
Read the Working Capital Guide
Business Debt Consolidation
Juggling several payments can strain cash flow and attention. Consolidation can simplify what you owe into a single plan. Compare the total cost and terms of every option before you decide.
Read the Debt Consolidation Guide
Purchase Order Funding
A large order is great news, but suppliers want to be paid before your customer pays you. Purchase order funding helps cover the cost of goods so you can say yes to the big order.
Read the Purchase Order Guide
Emergency Equipment Financing
When a key machine goes down, every day offline costs revenue. Equipment financing through our specialized partners can help you repair, replace or upgrade what keeps your business running.
Read the Equipment GuideWeigh your options before you decide
- Our merchant cash advance has a fixed daily or weekly payment, so make sure it fits your cash flow.
- Terms are up to 10 months, sometimes up to 15, and your funding specialist explains the full cost in writing before you decide.
- Compare every option, including bank financing, lines of credit and equipment financing.
- See exactly how the numbers work on Transparent Terms.
Apply in minutes
Tell us about your business and send recent bank statements. A soft credit pull only.
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.
Why get funded? Your questions, answered
Is business funding only for struggling businesses?
No. Healthy businesses use funding to move quickly on opportunities, cover timing gaps between expenses and income, and grow on their own schedule. Funding is a tool, and the right time to use it is when the return on the opportunity is worth the cost.
What are the most common reasons to get business funding?
The most common reasons are covering emergency cash-flow gaps, buying inventory in bulk at a discount, funding growth and expansion, keeping daily operations running, consolidating business debt, filling large purchase orders and repairing or replacing equipment.
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.
Do I need perfect credit?
No. We use a soft credit pull only, so applying does not add a hard inquiry, and we approve down to a 500 credit score. Your funding specialist reviews your full business profile.
How much funding can I get?
Funding amounts range from $10,000 to $5,000,000, depending on your revenue, industry, business history and other underwriting factors.
How does repayment work?
Our merchant cash advance has a fixed daily or weekly payment. Terms are up to 10 months, and sometimes up to 15 months. Your funding specialist explains the full cost and payment schedule in writing before you decide.
Is a merchant cash advance a loan?
No. A merchant cash advance is not a loan. It is an advance of funds based on your business's revenue. See our Transparent Terms page for exactly how the numbers work.
What do I need to qualify?
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 you.
More from Smart Business Funding
Ready to act on your opportunity?
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, which is not a loan, through our Direct Fund and Marketplace programs. Equipment financing is available through our partners. Images are illustrative.
