Smarter Finance USA Equipment Financing

Accepts startups and challenged credit. Rates 8-30% annually (most 10-20%). No min revenue or TIB for startups.

Eligibility

No minimum revenue or TIB for startups

FICO 650+. 2yr TIB. $10K-$500K. App-only up to $250K. $250 doc fee. No prepayment penalties. Technology included.

Marketplace connecting 30+ lenders. FICO 625+. 24mo TIB. Rates 5-22% APR. App-only up to $75K-$150K.

Factor rate 1.11-1.45. $5K-$600K. FICO 550+. 6mo TIB. Min $20K/mo avg revenue. Daily/weekly debits.

Invite-only for Square users. Min $10K annual card processing, 20+ days usage. CBD and tax-exempt orgs ineligible. Up to $350K.