The business lending market is crowded with bad deals and hidden fees. We are the strategic partner that helps you navigate it. We prioritize your savings over our commissions to secure the right capital for your growth.

Credit Score 490 or Higher
At least 3 Months Time in Business (TIB)
At least $5,000 Monthly Revenue
At least 3 Consecutive Business Bank Account Statements
No Recent Bankruptcy
Applying does not impact your credit score

Fiduciary-Style Approach
We sit on your side of the table. We objectively review offers from our network to ensure you get the best deal to help your bottom line.

Strategic Structuring

Value-Aligned Partners
With our rigorously vetted network, we only match you to Top-Tier funding programs from lenders who respect your business, period.

Zero Pressure (We don't rush you to sign anything fast)
Transparent (No surprise/hidden fees or outrageous price mark-ups)
Educational (We explain everything so you know exactly what you are signing)
Smarter Way to Fund
| Benefits | SmrtFund | Banks | Credit Cards |
|---|---|---|---|
| Low Credit Score Accepted | ✅ | ❌ | ❌ |
| TIB as short as 3 months | ✅ | ❌ | ❌ |
| Same-Day Funding | ✅ | ❌ | ❌ |
| Early Payoff Discounts | ✅ | ❌ | ❌ |
| Renewals for More Capital | ✅ | ❌ | ❌ |
| No Collateral Required | ✅ | ❌ | ✅ |
| Builds Business Credit | ✅ | ✅ | ✅ |
Take Control of your Business Funding
Speak with a SmrtFund advisor today.
No sales pressure, just honest guidance on your funding options.
SmrtFund is an Independent Sales Organization, owned by The 44 Group LLC. We are not a direct lender. Our mission is to educate business owners and connect them with reputable financing sources. All rights reserved. Copyright © 2025