SMB Funding

Approval for a working capital loan from SMB Funding is based on more than just your business’s credit score. We take into account multiple factors, including:

• Business revenue
• Cash flow
• Vendor payment history
• Years in business

We fund businesses in most industries, including high risk industries. This includes attorneys, dental practices, medical practices, automotive dealers, construction companies, restaurants, retailers, manufacturers, gas stations, dry cleaners, pharmacies, business services, and more.

The information we need depends on the cash advance or loan amount you are applying for. We may need:

• Credit card statements for the previous 3 months
• Bank statements for the last previous 3 months
• A completed application
• Emailed or faxed photocopy of your driver’s license

For faster approvals, you can also provide our Funding Advisors with secure access to your account’s transactional data.

Yes, we do offer funding that operates very similar to a business lines of credit, called a merchant cash advance. With a merchant cash advance, businesses can draw less than the full amount approved, then request more as needed so long as the health of the business remains unchanged or improves.

Yes. Once you have repaid 50% of your original cash advance, you are eligible to apply for another cash advance called a renewal. In most cases, SMB Funding will also increase the amount of the advance you are eligible to receive.