Real reviews from real people


Lena and company are outstanding, I have taken merchant loans since 2009 and have found them to be the easiest and most flexible to work with. I would recommend The Smarter Merchant anytime. They are the best.

 - Thomas Deighan


The Smarter merchant is a great company to work with, Aaron,Steve,and Joseph have been more than accommodating with my advance, missed some payments due to a mishap from a vendor and they completely understood my situation and didn't just jump the gun and default the loan, the CEO himself contacted me to let me know "dont worry we got you" if you need help and are in a pinch call these guys.

 - Austin Abner


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


I have taken more than 25 loans of similar type in last few years. The smarter merchant has been the best one in terms of their services and professionalism, as i was going through some financial hardship they modified my payment multiple times without giving me hard time because i did not want to default on payment and with their help i paid off the loan without any defaulting. I strongly recommend this company for small businesses that are struggling financially because they work with you to expand your business and help you get out of temporary financial hardship.

 - Slim Silk


I have some experience with other Cash advance company but The Smarter Merchant has excellent customer service and after sign the contract agent give good follow up. The Smarter merchant is the number one MCA company in the State for my experience. I will referral to my friends and community for 10 star service company which is The Smarter Merchant.

 - Y Seo


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. My contact, Lena, has always been very professional and helpful every time I need assistance or have a question.

 - Mr. Desmar


I needed some funding for projects, supplies, and taxes for my shop. My debt to income ratio was too high to get a regular bank loan, so SM stepped in to help. The process was convenient and easy. Everyone that I spoke to during the process was extremely helpful and very nice. It was easy going which put me at ease because being busy, it was nice to not have to jump through a bunch of hoops to get things settled. The money was deposited the same day I finished all the necessary requests per the company. Everything went with ease and it was one of the best experiences I have had with a company like this. Lena and Steven were especially great. I will definitely be using SM again for my future monetary needs. Can't thank them enough for the great work they did for me.

 - Amanda Jacobson


The Smarter Merchant is an AMAZING company!!! When I needed funding to expand my business they were right there to help assist me! Our business account were hacked and The Smarter Merchant not only froze my payments but they also helped me with another merchant who was not responsive to any emails or phone calls that I made to them about our situation. 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. If you are in the need of funding I would strongly suggest you calling The Smarter Merchant.

 - Adrienne Davis