Legal Disclosures

Smart Cap Funding is NOT a lender, bank, or financial institution. We do not make loans, extend credit, or make credit decisions. We operate as a referral service that connects business loan applicants with third-party lending partners.

All loan applications are transmitted to lending partners who independently evaluate applications and make all lending decisions based on their own criteria.

Typical APR Range: 7.99% – 29.99%

Your actual APR will be determined by the lending partner based on factors including, but not limited to: credit score, time in business, annual revenue, loan amount, and loan term. The lowest rates are reserved for applicants with excellent credit and strong business financials.

Loan Terms: 6 to 60 months. Monthly payment amounts vary based on loan amount, term, and APR.

Example: A $50,000 loan with a 24-month term at 12.99% APR would have an estimated monthly payment of approximately $2,373 and a total repayment amount of approximately $56,952.

Submitting an application does not guarantee approval or funding. All lending decisions are made solely by third-party lending partners based on their own underwriting criteria.

Our initial application uses a soft credit pull, which does not affect your credit score. A hard credit pull is only performed if you accept an offer and proceed to final underwriting with a lending partner.

The Company does not charge applicants any fees for submitting an application or using the Site. The Company may receive compensation from lending partners in the form of referral fees or commissions.

Any fees, interest rates, or charges associated with a loan are disclosed by the lending partner and are the sole responsibility of the borrower.

No Prepayment Penalties: Our lending partners do not charge prepayment penalties.

By submitting an application, you consent to be contacted by the Company and its lending partners via phone, email, SMS, and other means regarding your application. This may include automated calls or text messages. You may opt out at any time by replying STOP to any SMS or contacting us directly.

Important for US Applicants: Under the FTC's Telemarketing Sales Rule (TSR), consent to receive prerecorded marketing calls must be obtained directly from you on a one-to-one basis. Our lending partners are responsible for obtaining their own consent before making such calls .

The Company and its lending partners comply with applicable state and federal lending laws. Loan availability and terms may vary by state. Some states may have restrictions on loan amounts or terms.

We currently serve businesses in all 50 U.S. states and Canada.

We comply with the Equal Credit Opportunity Act (ECOA). We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or because you receive public assistance income.

Any lending partner providing you with a loan will comply with the Truth in Lending Act (TILA) and provide you with required disclosures, including the Annual Percentage Rate (APR), finance charges, and payment schedule, before you become obligated on the loan.

Advertisements for this Site are categorized under Meta's "Financial Products and Services" Special Ad Category. This categorization limits the audience targeting options available for our advertisements to comply with Meta's anti-discrimination policies and applicable fair lending laws .