Work With Us

Smart Business Funding is a financial services firm focused on helping solve the cash flow needs of our small business customers. The founders of Smart Business Funding are financial services professionals who have significant experience in developing successful businesses.

Chapter One

Reasons for Working with Smart Business Funding

When you are looking to take your business to the next level, you need to keep your mind open to all of the different options and avenues for success. From marketing campaigns and business coaches to business expansions, there are many ways that you can improve your business, provide better value, and increase sales and profits.

With Smart Business Funding, all of these opportunities will present themselves to you. With our unique funding program, your business can reach higher levels of success in shorter periods of time.

Here are just a few of the many reasons for working with Smart Business Funding and how we will improve the quality of your business and open doors for success.

Eliminate Time from the Equation of Success

Time is the only resource that we have that can’t be renewed or generated, but it can be saved. When you refer opportunities to us, your company eliminates time from your equation and you will be on the fast-track to success.

Outstanding Level of Service

Our team is committed to providing you the funding and resources to help your businesses succeed. Although there are other funding companies out there, we are the only one that prides ourselves in offering levels of communication and service that is unrivaled by any other company. We want you to succeed and we will work with you to make it happen.

Unmatched Integrity in the Industry

Smart Business Funding prides itself in doing business with the highest ethical standards and integrity

Chapter Two

Information about Smart Business Funding

Smart Business Funding has been a popular choice for businesses of all sizes and levels of success. For companies looking to find small business financing, we have been providing companies with the funding and resources needed to succeed.

There are a lot of things that set us apart from similar companies in our industry. Not only are our practices, ethics, and motives unique, but our individual characteristics are what help us to stand out in our industry. We are committed to helping you succeed and many of the characteristics of our practices are flexible. We strive to offer you the most unique plan tailored for your success.

Flexible Range of Funding Amounts

Smart Business Funding offers funding programs in the amount between $1,000 and $2,000,000 dollars. All decisions are made case by case and are based primarily on the applicant’s revenue that the business generates.

Funding Is Determined by Your merchant’s Industry

We fund anywhere between 10% and 125% of your merchant’s average gross deposits. This amount will fluctuate depending on the industry that the business is in and a number of other additional factors.

Multiple position advances

As long as you or the merchant is capable of handling the payments and advances at the same time, multiple position advances are available.

High-Risk Options Are Available

Smart Business Funding also has a specialized high-risk department where funding is available to merchants that do not fit into other categories. Riskier credit profiles and higher risk industry types are still able to receive business funding with Smart Business Funding.

Flexible Terms

Terms with Smart Business Funding can range, depending on the business, industry, and individual scenario.

Affordable Factor Rates

Determined case by case, Smart Business Funding has flexible factor rates for merchants.

Serving All Businesses in the USA

Smart Business Funding excels at providing small business financing to all companies in every state of the United States of America.

Assists Established Businesses

All businesses working with Smart Business Funding must be established for at least 3 months and have $5,000 in monthly revenue.

Funding Platforms

Smart Business Funding offers one primary funding platform to businesses:

  • ACH Program – After the company is funded, they will pay the advance back over time through a daily or weekly payment from the business checking account.

  • Funding Available on a First-come, First-serve Basis

    When funding is available from Smart Business Funding, the funds can be claimed by any qualifying business. If multiple ISOs are competing for the same deal, the first ISO who turns in the signed contract will be awarded that deal.

    Chapter Three

    Advance Criteria & Qualifiers

    When you have made the decision to request business funding for your clients, it’s important to understand the criteria and qualifiers that will allow you and your business to get the funding they require.

    Smart Business Funding will help with small business financing and offers established business funding to all businesses and have been established for at least 3 months. There are some specific criteria and qualifiers that Smart Business Funding requires when selecting businesses to provide advances to.

    Any interested businesses will need to provide information to determine the status of their business. When you want to acquire outside funding and financing, be prepared to have the following information ready to proceed with the application.

    Requirement And Procedure Of Application

  • Average monthly sales
  • Amount of desired funding
  • A brief description of the services or products offered by your business
  • Legal business (or business DBA) name
  • Address (including street address, city, state, and zip code)
  • Contact email
  • Phone number
  • Additional information pertaining to rent or landlord and owner information
  • At least 3 months of the business’ bank statements and information on any current open positions
  • Seasonal businesses will require the payback month’s bank statements in addition to the last 3 months’ statements
  • Copies of the driver’s license, void check, last 3 months’ rent checks (or landlord phone number, recent mortgage statement, or the deed), and month to date activity report

  • For your business to qualify, you must also meet the following criteria and requirements

  • Inside any of the 50 United States of America
  • Has been in business for at least 3 months. We do not fund start-up businesses.
  • At least $5,000 in monthly sales

  • The following conditions can disqualify your business from receiving business funding

  • Negative balance 8 or more times in any given month
  • Criminal history
  • A recent, major drop in deposit volume may be subject to review
  • Any fraudulent activity
  • Negative bank balances or many recent NSF’s, returned items, or overdraft charges
  • Bouncing payments with other finance companies
  • Multi-funding within a short period of time
  • Defaulting on other funding obligations

    Although there are specific qualifications and criteria to acquire an advance, most businesses easily meet the criteria and are able to receive funding. It is our goal to help as many businesses succeed as possible. If you have any questions about whether or not your business will qualify and meet the criteria to receive outside financing for your business operations, give us a call or apply on our website to see if you are eligible.

  • Chapter Four

    Conclusion and Value Proposition

    At Smart Business Funding we are dedicated to helping businesses of all sizes meet their quotas, financial goals, and desired levels of success. We provide you with the funding and resources needed to meet your business goals. Our services are an unbeatable and alternative service to bank finance. Our requirements and criteria are much easier to meet, and you are more likely to receive small business financing through Smart Business Funding. Whether you are a small business or a large corporation, we can provide you with the amount of funding you need to succeed.

    When working with Smart Business Funding, you will have a unique and customized payment plan to ensure that your business can thrive while receiving the necessary influx of financing. With our affordable factor rates and flexible repayment plans, you can get a small business financing plan tailored to you and your businesses today.

    We are committed to providing your businesses with the funding necessary to take your business to the next level.

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