• en
  • es
Facebook-f Instagram Linkedin-in

1-888-985-5843

info@smarterbusinessfunds.com

  • en
  • es

Business loans & funding

Don't settle for expensive financing, know all your options before signing for a business loans & funding

*Funding expansion, operations and growth
*Fast & easy approvals without the hassle, just more options

*No Start-ups; min 3MO's in business

From $2,600 to $5,000,000

Pre-qualify TODAY! No obligation, No fees, No credit check, No Start-ups

Business Advances

LOC & Factoring

Term Loans

SBA Loans

Hard Money & CRE

Start-Up
Loans

Do NOT sign yet, lets look at your funding options

At Smarter Business Funds, we work hard to understand your needs in order to provide you funding options that make sense to your business. With high approval rates and speed to funding, Business/Merchant cash advances are very popular and may be what you need.  However,  you deserve to know all the options you qualify for and available to your business.  Our goal is your growth and not to grow at your expense.  

growing beauty business

BUSINESS
ADVANCE

Very popular funding option due to speed and high approval rates.  Great option when you need cash now or if your personal credit is a little bruised.  Approvals are primarily based on business performance, time in business, monthly deposits and FICO to a lesser degree.  Funding as fast as same day.  We provide 2 optons; micro funding (less than 10K)  and business funding.  Although fast and easy, advances can be expensive.  We work hard to find you favorable rates & terms.  We also invest in your business with our FREE marketing program to help drive sales offsetting cost of capital.

LINE OF CREDIT & INVOICE FACTORING

A line of credit is similar to a credit card.  With financing available up to $250,000, you only pay interest on the amount drawn.  It is a flexible revolving loan, great for applicants with a good business track record and good fair to good credit.  

Invoice factoring makes your net terms cash available now.  With factoring up to $5M, you decide which invoices to submit.  Credit is primarily based on the strength of your customers.

Business loans & funding
Business loans & funding

BANK
TERM LOAN

Term loans are generally used for longer term assets like equipment and property.  They generally go out 1,3,5 or more years with a lower cost of capital.  We offer secured and unsecured terms with rates starting at 6.99%.  You can prequalify in a matter of minutes with funding from one week up to 3 weeks.  These funds are usually approved for established businesses with a solid track record.

SBA
LOANS

An SBA Loan is a loan partially guaranteed by the government reducing the risk for lending institutions.  We offer small business working capital, term and commercial real estate funding up to $5,000,000.  SBA’s require good to great credit and a 2+ years in business.  They are hard to qualify for, however, it is usually the cheapest cost of capital with long terms.

Business loans & funding
Business loans & funding

REAL ESTATE FINANCING

We offer hard money, primarily for fix & flip investors as well as commercial real estate lending up to $50,000,000.  Approvals are much faster than traditional banks and offer both secured and unsecured funding.  The LTV’s range from 60% up to 80% depending on the credit profile and property.  Funding is great for bridge financing, we also offer hybrid solutions to get a deal done fast. 

START-UP FINANCING

It is tough to acquire start-up capital.  That said, we can help place you in 2 types of funding.  One is 100% based on your credit profile that requires a FICO of 750+.  The second is a retirement rollover program where FICO is not a factor.  Both are very unique and very different.  Both provide fast funding if you qualify. 

Fund - We receive pre-approvals and soft offers within hours

Available business funding solutions

Funding Type
  • Funding Amount
  • Funding Time
  • Credit Score
  • Time In Business
  • Bank Statements
  • Monthly Deposits
  • Funding Process
Micro Funding
  • $2,600 - $10,000
  • As fast as 60 minutes
  • 475+
  • minimum 1 month
  • 3 months
  • $4,000
  • Fast, simple, transparent
Small Business Funding
  • $10,000 - $500,000
  • 24 hours - 72 hours
  • 500+
  • 6 months
  • 4 months
  • $10,000
  • Fast, simple, transparent
Facebook Instagram Linkedin

CONTACT US

SMARTER BUSINESS FUNDS

Address: 11811 North Freeway, STE 571
Houston TX. 77060

Call Us: (888) 985-5843

Email: Info@smarterbusinessfunds.com

1. Funding is subject to credit approval. Credit lines and pricing are subject to periodic review and change, including line and pricing reductions, line and pricing increases, or line eliminations. Individual requests for capital are separate installment loans.

2. This is not a guarantee of qualification, but rather the minimum qualification criteria.

About SBF   |   Privacy Policy   |   Terms and Conditions