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 →