Great exclusive rates, terms and funding speed!

We negotiated amazing terms for loans and advances from $10,000 to $500,000 for our customers through our partner, Merchant Money Company. Complete your application in minutes and quickly get the funds your business needs. Applying does not affect your credit score.



  • Funding Range
  • Approval Speed
  • One-Page Application
  • Interest Fees
  • Approval Criteria

Smart Credit Business Loans Partnered with Merchant Money Company

  • Any amount  $10,000 – $500,000 or more
  • 1-5 Days
  • NONE *
  • Overall Business Health

Traditional Bank Loan

  • $ 100,00+
  • 30 Days
  • Credit Score & Collateral

Credit Card

  • Credit-Dependent
  • Up to 30 Days
  • Credit Score

SBA Loan

  • Credit-Dependent
  • 30-90 Days
  • Credit Score & Collateral

* We do offer loan programs with fixed interest rates for clients with acceptable business and credit.


We finance what others can’t…or won’t.

Are you looking for a small business loan or working capital for your company? Do you need a more flexible loan structure, such as one where you can make draws daily if needed? If so, Smart Credit Business Loans is the perfect source for all your small business loans and financial needs.

How To Get A Small Business Loan

Whether you have never had to borrow money for your business or have taken loans with several different lenders, the process can still be intimidating. At Smart Credit Business Loans, we offer a simple and easy way for you to take out a business loan for any amount.

You get the security of knowing that you have money available at any time, as well as the convenience of having the money deposited directly into your business account in the shortest time possible.

How Does A Business Loan Work?

Depending on the type and amount of loan you need, a business loan can be based on your signature alone or secured by collateral. When you apply for a loan, you will learn the ways you can secure your loan and maximize your borrowing power.

How Do I Get A Small Business Loan?

With Smart Credit Business Loans, getting a loan is easy! Our process is completely automated and allows you to complete everything online. No more long forms or hassles of visiting your local lender.

We give you an instant decision on your loan and offer you options so that you can make the best choice for your business. Our dedicated team offers you professional customer service at all times so your questions are answered quickly.

Best of all, once you qualify, we will immediately deposit the funds in your business account so you never have to wait for your money.

Apply Now!