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UseSmartCapital

How it works

No mystery. Just four clear steps.

Here is exactly what happens from the moment you apply to the day funds land in your account.

01

Apply online

10 minutes

Tell us about your business, your monthly revenue and how much you want to fund. This first step does not involve a hard credit pull.

02

Get matched with a specialist

Within 48 hours

A real person reviews your profile and walks you through the 0% structure that fits your cash flow, including the intro period and what happens after.

03

Review terms and sign

1 day

Every term, fee and date is laid out in plain English. Take your time, ask questions, and sign only when you are comfortable.

04

Funds delivered

Same or next business day

Capital arrives in your business bank account, ready to use for payroll, equipment, inventory or growth.

What's the catch? Ask us anything.

During the funded intro period described in your agreement, you pay no interest on the amount you use. We spell out the end date and any applicable fees before you sign.