Unlock Capital to Grow Your Business
SmarterSwipe helps business owners access funding, improve cash flow, and scale — based on real revenue, not just credit.
- Fast approvals based on business performance
- Options for new funding or refinancing
- Built for businesses already generating revenue
No impact to credit to check options
Most Businesses Don't Have a Capital Problem — They Have an Access Problem
Businesses are generating revenue but getting denied or slowed down by banks
Many are stuck in high daily payments or bad funding structures
They need a better way to access capital that works with their business
A Smarter Way to Access Capital
SmarterSwipe helps businesses get the capital they need to grow — without the runaround.
- Secure working capital based on your revenue
- Refinance existing advances for better terms
- Improve cash flow with flexible repayment
- Build long-term funding eligibility
This isn't just funding — it's a growth system.
From Application to Funded in 4 Simple Steps
Our process is designed to be fast, transparent, and painless.
Submit Your Info
Quick 2-minute application. No credit impact, no paperwork headaches.
We Review Your Business
Our team reviews your revenue data and delivers options within 24 hours.
Get Matched with Options
See transparent offers tailored to your business. No obligation to accept.
Choose & Grow
Accept your offer, get funded in days, and invest in your business growth.
Who This Is For
Good Fit
- Businesses generating monthly revenue
- Accept card payments or open to it
- Looking for $5,000 – $500,000+
- Want to grow or improve cash flow
Not Ideal
- Personal loans
- Brand new startups with no revenue
Capital Solutions Tailored to You
For Restaurants
Get capital and upgrade your payment systems. Fund renovations, equipment, staffing, and inventory — all while optimizing your processing costs.
Get Capital + Upgrade Your Payment Systems
For Businesses with Existing MCA
Stuck in a high-cost advance? We can help you refinance into better terms, lower your daily payments, and access additional capital.
Lower Your Payments & Access Additional Capital
Check Your Funding Options
Takes less than 60 seconds. No obligation.
Basic Business Information
Tell us about your business so we can match you with the right options.
Frequently Asked Questions
No. Our initial pre-approval process does not require a hard credit pull. We use your business revenue data to determine eligibility, so your personal credit score is not impacted.
Businesses can access anywhere from $5,000 to $500,000+ depending on monthly revenue, time in business, and overall business health.
Most businesses receive a pre-offer within 24 hours of applying. Once you accept, funding is typically deposited within 1-3 business days.
Anything your business needs — inventory, payroll, expansion, equipment, marketing, renovations, or even refinancing existing debt. There are no restrictions on use.
No. Our funding is based on your business revenue, not personal assets. We don't require personal guarantees for most of our capital products.
Repayment is flexible and based on your revenue. During busy months you pay more, during slower months you pay less. This keeps cash flow healthy and predictable.
Your Growth Shouldn't Wait
Apply in 2 minutes. Pre-offer in 24 hours. Funded in days.