Simple & Fast

Up to $500,000

We offer funding from $5,000 all the way to $500,000

Fast Decision

Most decisions are given within hours after the application is submitted.

Less Paperwork

We've streamlined the process so that you can focus on your business

Quick Funding

We can have our funds deposited into your account as fast as the next business day

There are no costs to apply. Applying with us will not impact your credit score.

Need Capital Quick? Here's What We Offer!

Get the money you need, when you need it!

A merchant cash advance typically provides rapid financing without requiring a strong business credit history. In exchange for a portion of your business’s future credit card sales, the lender gives you a lump-sum deposit. You pay back the loan with daily or weekly payments taken out of your total credit card sales.

Need a loan? We’ve got you covered.

Term loans are what you usually think of when picturing a typical “loan.” You receive a set amount of funds with a fixed interest rate from a lender, which you pay back over a set amount of time. Depending on the length of the repayment period, term loans are often categorized as short- or long-term.

Turn soon to be paid invoices into cash.

You can use invoice factoring to turn yet-to-be-paid invoices into liquid cash. You sell any unpaid invoices to a factoring company, and you get a cash advance of that total amount. The factoring company recoups that amount, plus interest fees, when your customers pay those outstanding bills.

Get the credit you deserve.

A line of credit typically provides revolving access to credit. The main advantage is that you only have to apply once for funds. For example, with a business line of credit, you can draw funds whenever you need, up to your credit limit, and only pay interest on what you borrow each time.

How It Works

  • 1. Share Your Info

    Fill out a short application, sharing information about you and your business.

  • 2. Get Options

    We will review your information and provide a response without negatively impacting credit.

  • 3. Review Your Options

    If pre-qualified, choose the loan amount and term length that best fit your business's needs.

  • 4. Lock In Your Options

    Confirm you are ready and submit final documents.

  • 5. Close Your Loan

    E-sign your contract and funds will be sent upon lender's approval of the loan.

Get Quote

Or call us at 415-635-4874

Still have more questions? Check out our FAQ page for details.

How much could I qualify for?

Select your credit and gross monthly sales to see!

$115K

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What Our Clients Say About US

  • Thank you very much. I have tried to get funding before and was unsuccessful. Your process was easy and quick and really helped my company. Thanks Again!

    John S.
  • Very professional and fast response . Excellent work by your employers. It is a nice experience working with Smart Capital and I will recommend to my colleagues.

    Tim Q.
  • Thank you very much. I have tried to get funding before and was unsuccessful. Your process was easy and quick and really helped my company. Thanks Again!

    Debbie B.