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BreadRoute Review
Smart Business Funder
3.5Our Smart Business Funder Review
Smart Business Funder is a nonbank lender based in North Miami Beach, FL, offering working capital and merchant cash advances to businesses nationwide. Funding goes up to $2,000,000, with a minimum credit score of 500 and at least six months in business required — making it an option worth considering if you're an earlier-stage business or carry less-than-perfect credit. Monthly revenue of at least $120,000 is required. The lender emphasizes fast access to capital and serves a broad range of industries including construction, hospitality, and electronics. Merchant cash advances carry factor-rate pricing that can be more expensive than traditional loan structures, so reviewing the full cost of capital before committing is worth your time.
Who Is Smart Business Funder Best For?
Based on eligibility requirements and available products.
- Businesses with fair or rebuilding credit
Financing Options
Eligibility Requirements
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Smart Business Funder Pros & Cons
Pros
- Accepts fair or rebuilding credit
- Lends nationwide
Cons
- Requires $120,000+ in monthly revenue
Frequently Asked Questions
Smart Business Funder offers financing in the range of Up to $2,000,000.
Smart Business Funder typically requires a minimum credit score of 500. Businesses with scores above this threshold are more likely to qualify for favorable terms.
Smart Business Funder offers the following financing products: Working Capital, Merchant Cash Advance.
Smart Business Funder requires a minimum of 6 Months in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.
Smart Business Funder provides financing to businesses across the United States.
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