SMB Capital Funding Apply Direct →

Marketplaces Sell Your App.
We Actually Fund You.

Loan marketplaces collect your information and sell it to the highest bidder. SMB Capital Funding is a direct lender — your application goes to one place, and you get one decision.

Apply Direct — 60 Seconds →
Direct Lender — Not a Broker Your Data Stays Private One Application, One Decision Same-Day Funding Available

What Happens When You Use a Loan Marketplace

Sites like BusinessLoans.com, Lendio, and Fundera are lead aggregators — they don't fund anything. Here's what actually happens when you apply:

1. They Collect Your Info

You fill out an application thinking you're applying to one lender. You're not.

2. They Sell It to Brokers

Your data gets sold to 5-15 different brokers and lenders. Each one contacts you.

3. Your Phone Blows Up

Expect 10+ calls within minutes. Each broker tries to close you before the others.

4. You Get the Worst Terms

Brokers add their fee on top. You pay more because there's a middleman taking a cut.

Direct Lender vs. Loan Marketplace

Feature Loan Marketplace SMB Capital Funding
Who funds you? They don't — they sell your app to brokers We fund you directly
Your data privacy Shared with 5-15 third parties Stays with us — never sold
Phone calls after applying 10+ calls from different brokers One call from your dedicated advisor
Decision speed Days — waiting on multiple parties Hours — one underwriting team
Funding amount Varies by whichever broker calls $5K – $20M
Hard credit pull Multiple pulls from multiple lenders No hard pull to pre-qualify
Who you work with Random broker — no relationship Dedicated funding advisor on your file
Cost to you Higher — broker fees baked in Lower — no middleman markup
"I applied on one of those marketplace sites and got 12 calls in 20 minutes. With SMB Capital, I got one call, one offer, and funded the next day."
— Restaurant owner, Miami FL

Why Business Owners Choose Direct

One Application

Fill out one 60-second form. It goes directly to our underwriting team — no one else.

One Decision

Our team reviews your application and gives you a clear answer, usually within hours.

One Point of Contact

A dedicated funding advisor handles your file from application to funding.

See How Much You Qualify For

60 seconds · No obligation · No hard credit pull

📞 Or call (786) 882-6114
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SMB Capital Funding · Direct lender · We never sell your information

Products Available Direct

Working Capital Revenue-Based Funding Line of Credit Equipment Financing Same-Day Funding Bad Credit Options

SMB Capital Funding is a DBA of CHC Capital Group. All funding products are subject to underwriting approval. Rates, terms, and availability vary based on business revenue, time in business, and creditworthiness. Funding as fast as same day is available for qualified applicants only and is not guaranteed. Not available in all states. This is not an offer of credit.