Fast funding for your business,
when you need it

Working capital for today's savvy entrepreneur


Apply online or over the phone at (888)262-7171. The application process only takes a few minutes


We do a quick evaluation of the financial strength of your business and your projected sales


A member of our client success team will contact you and discuss your best options


Complete the funding process and have up to $250,000 wired to your business bank account

Business funding made fast and simple.
Opportunity doesn't wait.
Neither should you.

Our clients success stories
are our success story



Every year The Smarter Merchant helps hundreds of entrepreneurs reach their goals by providing them with the funds they need when they need them
Over $250 Million
Funded to Merchants

Average client Rating

Simple Funding Process
Same Day Funding
Up to 250k Funded
Minimal Documentation
Industry Leading Support

What Customers are Saying

Greatest Customer Service Ever
The people here are so helpful in any situation I have ever found myself in! I have done business with them several times and each time they have always been very helpful!
- Dwyatt Creamer
Very professional and helpful
I have taken two advances from The Smarter Merchant. They made the process go very smoothly and efficiently each time. They made sure to get the funds into my account as quickly as possible.
- Mr. Desmar
An AMAZING company!!!
I will ALWAYS call The Smarter Merchant for all my funding needs. They are honest and upfront and there are no hidden fees and or cost with them.

- Adrienne Davis

Latest Smarter Business News

The Smarter Merchant partners with

April 22, 2021

The History of Money: Part 3

March 12, 2021

The History of Money: Part 2

March 1, 2021

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*There are some industries we do not serve, as well as some industries, states and localities impacted by Covid-19 to which we are temporarily not funding in. The Smarter Merchant does not offer a loan product. Our product is a purchase of future receivables.
**Approval rating is based on qualified applicants. Qualifications vary based on industry, location, cash flow, time in business and other factors