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Fast funding for your business,
when you need it



Introducing SMART ADVANCE
Working capital for today's savvy entrepreneur




4.4/5

Customer Rating

+80%

Approval Rating

+2000

Businesses Funded

WHAT IS A SMART ADVANCE

A Smart Advance is a way to unlock working capital from your business almost instantly.

Unlike loans or lines of credit, your credit history doesnt dictate whether or not you'll receive funding. We look at the general health and historical income of your business and purchase a percentage of your future sales from you.

Our underwriting and funding process is designed to be fast. We require minimal documentation and very often can have our clients funded the same day.

HOW THE PROCESS WORKS

We make it simple to get your business funded
Apply online or over the phone at (888)262-7171
We do a quick evaluation of the strength of your business. Since our advances are based on cash flow and not your FICO score, bad credit history is not an issue
A member of our client success team will contact you and discuss your best options
Complete the funding process and have up to $250,000 wired to your business bank account

NO RESTRICTIONS ON HOW YOU USE THE FUNDS


It's your money, it's your business. You know the best way to spend it. A lot of our clients use funding for the following.
Inventory
Repairs
Marketing
New Location
Payroll
Save for a rainy day

WHAT OUR CLIENTS ARE SAYING

Pattie B.

As an ISO working with Capital Advance companies can be challenging BUT not at The Smarter Merchant. This company is beyond professional and I am getting my clients the capital they are seeking within 48 hours from application to funding. Ari’s out of the box thinking gets things done quickly and efficiently. I am grateful to be working Side by side with TSM and their professionalism is a breath of fresh air in our industry.

Amanda J.

I needed some funding for projects, supplies, and taxes for my shop. My debt to income ratio was too high to get a regular bank loan, so SM stepped in to help. The process was convenient and easy. Everyone that I spoke to during the process was extremely helpful and very nice. It was easy going which put me at ease because being busy, it was nice to not have to jump through a bunch of hoops to get things settled. The money was deposited the same day I finished all the necessary requests per the company. Everything went with ease and it was one of the best experiences I have had with a company like this.

Adrienne D.

The Smarter Merchant is an AMAZING company!!! When I needed funding to expand my business they were right there to help assist me! Our business account were hacked and The Smarter Merchant not only froze my payments but they also helped me with another merchant who was not responsive to any emails or phone calls that I made to them about our situation. I will ALWAYS call The Smarter Merchant for all my funding needs. They are honest and upfront and there are no hidden fees and or cost with them. If you are in the need of funding I would strongly suggest you calling The Smarter Merchant.

READY TO GET SMARTER?

find out how much your business qualifies for today


*There are some industries we do not serve, as well as some industries, states and localaties impacted by the Coronavirus to which we are temporarily not funding in. The Smarter Merchant does not offer a loan product. Our product is a purchase of future receivables.
*Recent success stories are used for example only and may not reflect the actual amount or location of any specific merchant. **Approval rating is based on qualified applicants. Qaulifications vary based on industry, location, cash flow, time in business and other factors
THE SMARTER MERCHANT ©2020. All rights reserved.