WORKING CAPITAL LOAN
A Working Capital Loan provides businesses with the cash they need to manage day-to-day operations, cover short-term expenses, and maintain consistent cash flow. It’s designed to help companies handle payroll, inventory purchases, rent, utilities, and unexpected costs—without disrupting business growth.
FAST APPROVAL
A one page application and 4 most recent business bank statements is required to obtain an approval within 24 hours.
Flash Funding
Receive funds in as little as 24-48 hours. Same day funding available for those who qualify.
Loan Amounts
$5,000 - $1,000,000
Terms
From 6-36 months
Payment Structure
Daily / Weekly / Bi-Weekly / Monthly
Requirements
Time in business : Minimum 3 months
Fico Score
Minimum 550
It takes just a few minutes to see what your business qualifies for ! Click the Apply button now, fill out the information, upload your documents and let's take your business to the next level with Smart Funding !
Term Loan
A Term Loan is a lump-sum business loan that you repay over a set period of time with fixed payments.
MINIMUM DOCUMENTATION REQUIRED
A one page application , 4 most recent business bank statements and the most recent business tax return.
Loan Amount:
from $250k - $1,000,000
Term
1-5 years
Flash Funding
within 3 days of approval
Requirements:
Time in business 2+ years
Payment Structure
Weekly / Monthly
Fico Score
Minimum Fico 660
Merchant Cash Advance
A Merchant Cash Advance ( MCA) is a type of financing where a business receives capital in exchange for a percentage of its future sales . Instead of fixed monthly payments, the business repays the advance through daily or weekly deductions based on revenue, making payments flexible with cash flow
Documentation Required
Application, 4 most recent business bank statements and 4 most recent credit card processing statements if applicable
Loan Amount
$25k-$500k
Term
6-24 months
Flash Funding
24-72 hours
Requirements
minimum 6 months in business
Payment Structure
a percentage of your receivables collected daily/weekly
Fico Score
Minimum 550
Business LINE OF CREDIT
A Business Line of Credit offers flexible financing options that give businesses access to set amount of funds to draw from as needed, with interest charged only on the amount used. This Revolving credit allows businesses to manage cash flow, cover unexpected expenses, and fund growth opportunities effectively.
Loan Amount and Terms
Borrow up to $200k up to 12 months
Flash Funding
Funding within 24 hours
Requirements
2+years in business
Payments Structure
Weekly/Monthly
Fico Score
minimum 680
sba loan
Looking for longer terms and lower payments ? With our guidance and support we help you navigate SBA loan options making it easier for business owners to qualify for affordable funding. These loans offer low interest rates, long repayment terms, and flexible use of funds, helping businesses grow and expand.
Loan Amount
up to $5 million
Interest rates:
Typically lower and competitive, based on prime + lender margin
Repayment Terms
10 years for working capital
25 years for real estate.
Payment Schedule
Monthly Payments (principal + interest )
Funding time frame
Turn around time 30-90 days depending on the program chosen .
Credit Score
Minimum 680
Documentation Required to get started
4 most recent business bank statements
2 most recent business tax returns
1 most recent personal tax return
With that information we can obtain a yes or no response back from our bank within 24 hours in reference to you being a good candidate for the program or not.
Fill out the below application and attach the above docs so we can assign an SBA Loan expert to you right away
Lets get started today !