A direct lender built for small business owners who need capital fast — no brokers, no middlemen, no runaround.
SMB Capital Funding is a direct business lending brand operating as a DBA of Cobian Holdings Corp, a Florida-based financial services company. We underwrite and fund business capital from our own book — meaning faster decisions, more flexible terms, and no broker markups.
We serve small and mid-size businesses across all 50 states, with a focus on industries that traditional banks consistently underserve: construction, trucking, healthcare, retail, restaurants, and more.
We fund from our own capital — not a marketplace, not a broker. One decision-maker, one set of terms, no middlemen.
Most applications receive a decision within hours. Funded businesses can receive capital in as little as 24 hours after approval.
Working capital, equipment financing, revenue-based funding, lines of credit, and real-estate-backed loans up to $20 million.
Pre-qualification uses a soft credit inquiry. No impact to your credit score until you accept an offer.
| Legal Entity | Cobian Holdings Corp |
| DBA | SMB Capital Funding |
| State of Incorporation | Florida |
| NMLS ID | #1695752 |
| Business Phone | (786) 882-6114 |
| Contact Email | info@smbcapitalfunding.net |
| Service Area | All 50 United States |
Cobian Holdings Corp operates in compliance with applicable federal and state lending regulations. Our NMLS registration (#1695752) reflects our commitment to transparent, regulated financial services. We adhere to all applicable consumer protection and business lending disclosure requirements.
SMB Capital Funding does not provide mortgage loans, legal advice, or investment advice. All funding decisions are based on business performance and underwriting criteria.
Takes 2 minutes. No hard credit pull. Decisions in hours.
See What You Qualify For →“Applied for a loan for my nail salon and it was pretty straightforward. They picked up when I called and didn't rush me off the phone.”
“Fast. Done.”
“SMB Capital Funding got my food truck funded in about two days. Maria on the phone was patient with all my questions about the daily payments.”
Most qualified applicants receive a decision within the same business day. Once approved and contracts are signed, funding can arrive as early as the next business day. Speed depends on how quickly you provide your bank statements and complete the application.
You need three to four months of business bank statements from your primary operating account, a valid government-issued ID, and basic business information including your EIN or SSN. No tax returns, financial statements, or business plans are required.
There is no minimum credit score requirement. Underwriting focuses on your business revenue, deposit consistency, and time in business rather than your personal credit history. Applicants with scores in the 500s have been approved when business fundamentals are strong.
Funding amounts range from $5,000 to $2,000,000 depending on your average monthly revenue, deposit consistency, and existing obligations. Most small businesses qualify for amounts between one and two times their monthly revenue.
No collateral is required. This is revenue-based funding, which means approval is based on your business bank account activity rather than assets, real estate, or equipment. Your bank statements serve as the primary qualifying document.