Business Loans
Business Loans for today's business realities
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When it comes to business loans,
one size does not fit all.

Find the right business loan with Smart Equity Funding.

Here’s the 411 on business loan products: the type of loan you need depends on what you need it for. Smart Equity Funding is one of the only online lenders that offers more than one type of product to meet the short-term financing needs of business owners.

When borrowing money for a specific investment—whether you’re starting a new project or making a large purchase a Smart Equity Funding Term Loan is the right type of loan for you. A term loan means you borrow a one-time lump sum of cash and pay it back over a fixed period of time, or a “term.” Our short-term loans range in term length, giving you flexibility around repayment.

When you need ongoing, quick access to working capital—say, for managing cash flow a Smart Equity Funding Line of Credit (LOC) is the way to go. Our flexible business line of credit is revolving, which means you can withdraw from your credit line (up to $100,000) and funds replenish as you repay the line. In other words, you can use it on a routine basis. Plus, with a LOC, you only pay interest on the funds you use.

Still not sure which type of financing is right for your business? We’ll help you find the right option —without the lag time typically experienced at brick-and-mortar banks.

Smart Equity Funding
Line of Credit

Used to manage cash flow,
such as buying inventory
or making payroll

Get a revolving line of credit,
so you can access cash
when you need it

Learn More

Loan amounts of $6K–$250K
upto 36-month repayment terms, resets after
each withdrawal

Smart Equity Funding
Term Loan

Used for investments in your business,
such as expansion projects or large
purchases

Get a one-time lump sum of cash upfront,
You can apply for more with an option of interest
forgiveness when you’re just 30% paid down

Learn More

Loan amounts of $5K–$1M
Repayment terms up to 36 months

3 reasons to choose Smart Equity Funding over any other lender
Simple Process
Apply in as little as 10 minutes, with a decision as soon as the same day—all to save you time.
Tailored Options
Multiple loan types, amounts, and repayment terms, so you can get exactly what you need.
Real People
A large team of U.S.-based loan advisors to help you find the right solution. And one dedicated to you.

How to compare business loan offers

One of the biggest challenges facing business owners today is not that they want too much, it’s that they ask the bank for too little. Smart Equity Funding offers term loans from $5,000 to $250,000 with loan terms and interest rates appropriate for your business need that can help you take advantage of opportunities to grow your business.

Because there are many different business needs, including short-term needs like purchasing quick-turnaround inventory and longer-term needs like opening a new business location across town, business loans vary in much the same way an auto loan differs from a home mortgage.

Comparing APR is only one way to evaluate the affordability of a business loan with so many different terms and types of financing available in the market. In addition to APR, understanding the total cost of capital on a short-term loan to purchase inventory, for example, will help you determine if the loan will help you increase ROI or add too much financial strain on your business.

You don’t need to be a business financing expert, but you should be asking these five questions to help you compare financing offers and find the business loan that best meets your needs.

5 Questions to ask
  • What is the total cost of capital (including interest expense, origination fees, along with any other fixed fees)?
  • What is the Annual Percentage Rate (APR)?
  • What is the average monthly payment obligation (regardless of whether your periodic payments are daily, weekly, or monthly)?
  • What is the total amount of interest paid per dollar borrowed (cents on the dollar)?
  • Are there any prepayment fees should you decide to pay off the loan early?
Uses and benefits of small business loans.
  • Launching your business. It’s no secret: Opening a business can be expensive. A small business loan can provide the money you need to get off the ground.
  • Funding growth. Growth requires investment. Expand to a new location, launch a marketing campaign or hire additional staff.
  • Buying equipment. Equipment can come with a hefty price tag. One solution for avoiding significant upfront costs is equipment financing. A small business loan can finance new purchases to grow your business — or fund a replacement when you need it most.

  • Bridging cash flow gaps. A small business loan can provide financing to cover seasonal slowdowns or other gaps in cash flow.
  • Boosting working capital. Surprise opportunity? Don’t miss out just because you don’t have money on hand — boost your working capital to manage unexpected setbacks.
Minimum eligibility requirements for an Smart Equity Funding Term Loan or Line of Credit
Let's see
if were a
match
Minimum Requirements
Time In Business 1 year
Personal FICO Score 600
Business Annual Gross Revenue $100K
Business Checking Account Yes
Applying for a small business loan.
Applying for a line of credit at Smart Equity Funding is quick and simple
Get Started
STEP 1. Complete the application

Our simple 3 step application is all you need to apply. You can apply online or over the phone.

STEP 2. Get a decision

A dedicated loan advisor will be assigned to your company & will contact you to review your options.

STEP 3. Receive your funds

Complete the online agreement form and receive your funds as soon as the same day.*

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Depending on the state where your business is located and other attributes of your business and the loan, your business loan may be issued by a member of the Smart Equity Funding family of companies. Your loan agreement will identify the lender prior to your signing. Loans subject to lender approval. Smart Equity Funding® is a Registered Trademark. All rights reserved.