Beyond Traditional Lending — Fast, Fair, Affordable.
Your small business is the result of your hard work and passion. We can provide working capital to help your business grow and expand. BizSmartDepot considers business performance — cash flow, annual & monthly revenue, and payment behavior — in addition to your business & personal credit history. We also do it at a fair rate. In as little as 7 business days, you can have affordable cash in hand.
At BizSmartDepot, our vision is to help small businesses improve their credit score through the successful repayment of a BizSmartDepot loan. The result: your chances of qualifying for a traditional bank loan in the future should improve.
Quick Decision, Competitive Rates, Fast Funding
BizSmartDepot loans work for the small business, not the other way around. We built a proprietary lending formula for small businesses that just miss the cut-off from traditional bank loans.
Small businesses with a healthy cash flow can qualify for $5,000 to $100,000 in financing with BizSmartDepot.
- A decision in 1 business days, funding within 7
- Rates typically up to 50% lower than merchant cash advances
- Interest charged only on business days — 257 days for a 12-month loan
- Daily payments reduce your principal faster, so you pay less interest
- We lend responsibly - lending only what your business cash flow can bear
More affordable, faster, easier to repay — BizSmartDepot is the smart way for small businesses to secure working capital.
Who Qualifies — The Facts and Figures
BizSmartDepot is dedicated to small businesses. To qualify for financing, an owner-operated business should:
- Have a business bank account
- Maintain an average bank account balance of $5,000
- Have been in operation for more than 2 year
- Operate a Retail, Medical & Dental Offices, Grocery Store, Non-Branded Franchise business with a diversified customer base.
Receive an Instant Decision
BizSmartDepot's Instant Decision application provides you a fast answer to whether you are qualified for a loan with us and the amount you could receive. In less than 5 minutes, our system will analyze your business performance in addition to credit history.