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Lender profile

Smart Step Funding

Direct funder Boca Raton, FL Checked Sep 10, 2026
Smart Step Funding is a Boca Raton, Florida funder offering a Total Deposit Advance, underwritten on overall bank deposits, and a Credit Card Advance, underwritten on card processing volume. Remittances rise and fall with revenue rather than following a fixed schedule. It says businesses can be pre-qualified within 24 hours and funded within a week.
Visit smartstepfunding.com Compare with similar funders
Heads up. It requires a physical business location, and its contract does not permit taking a second-position advance. Any existing advance from another provider must be repaid from the proceeds of the Smart Step advance.

The open book

What Smart Step Funding publishes, and what it doesn't

5 of 9 things a business owner needs to compare offers are on its website.

Published

Amounts
$5K–$300K
Minimum credit score
Not published
Minimum time in business
1 year
Minimum monthly revenue
$4,000
Speed, in its words
Pre-qualified within 24 hours; funds within a week

The ledger

  • Funding amounts
  • Minimum time in business
  • Minimum revenue
  • Funding speed
  • Term length
  • Minimum credit score Not published
  • Price (rate or factor) Not published
  • Fees Not published
  • Excluded industries Not published
Loosest published figure across its products, from its own website. Details by product below.

By product

Smart Step Funding's products, as published

Open “Sources” under any product to see the exact wording and the page it came from.

Merchant cash advance

How merchant cash advance works
Price not published
Amounts
$5K–$300K
Price
Not published
Term
6–18 months
Repayment
Variable
Minimums
Credit n/p · Time in business 1 year · Revenue $4K/mo
Speed
Pre-qualified within hours; most businesses receive their money within days
Fees
"No, the application is free. Smart Step Funding (SSF) does not impose any up-front charges whatsoever." Homepage: "We do not charge any hidden fees; once we receive your complete application we will send you a proposal within hours, and what you see is what you get." A non-sufficient funds (NSF) fee may be charged to cover the bank's NSF fee.
Sources (1)
  • Our advances range from $5,000 to $300,000 based on business revenue flow and Underwriting approval. ... Our term is 6-18 months
    smartstepfunding.com/faqs-partners · checked 2026-09-10

Revenue-based financing

How revenue-based financing works
Price not published
Amounts
$5K–$300K
Price
Not published
Term
6–18 months
Repayment
Variable
Minimums
Credit n/p · Time in business 1 year · Revenue $10K/mo
Speed
Pre-qualified within hours; most businesses receive their money within days
Fees
"No, the application is free. Smart Step Funding (SSF) does not impose any up-front charges whatsoever." Homepage: "We do not charge any hidden fees; once we receive your complete application we will send you a proposal within hours, and what you see is what you get." A non-sufficient funds (NSF) fee may be charged to cover the bank's NSF fee.
Sources (1)
  • Our advances range from $5,000 to $300,000 based on business revenue flow and Underwriting approval. ... Our term is 6-18 months
    smartstepfunding.com/faqs-partners · checked 2026-09-10

Similar funders

Funders offering the same products

1st Alliance Group

Not stated
Not publishedCredit n/pNo price

Bitty Advance

Not stated
Not published500+ creditNo price

Fora Financial

Direct funder
$5K–$1.5M570+ creditPrice published

Fortress Funding Group

Not stated
Not publishedCredit n/pNo price

Forward Financing

Direct funder
$5K–$500K500+ creditNo price

Legend Funding

Direct funder
$20K–$3MCredit n/pNo price

Pages we read

  1. https://smartstepfunding.com
Spotted something out of date? Funders and owners can send a correction with a link to where it's published. Listing Smart Step Funding here doesn't mean it works with Openbook.

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