Working Capital
Cover payroll, rent and supplier invoices while receivables catch up. Draw what you need, when you need it.
$10K – $250K · 0% intro period
0% funding for operating businesses
Fund the growth.
Skip the interest.
UseSmartCapital places U.S. small businesses into 0% funding with a ten-minute application and a real person who answers the phone.
Funded this quarter
$41.8M
across 1,236 U.S. businesses
48 hrs
median decision
0%
interest on funded line
Does it actually work?
See what 0% keeps in your account.
Slide to your funding target. We compare it with the average first-year financing cost on a standard 12-month small-business loan at 16.8% APR.
$75,000
$10,000$250,000
UseSmartCapital
$0
interest cost on funded line
Typical loan
$6,930
avg. first-year interest paid
Illustrative estimate. Actual terms depend on approval and your business profile.
Is this for me?
Funding shaped around what your business actually buys.
Equipment
Ovens, trucks, CNC machines, point-of-sale systems. The equipment itself backs the funding.
Up to $500K
Inventory
Stock up ahead of peak season without draining cash.
$15K – $200K
Expansion
Second location, new hires, a bigger marketing push.
$25K – $300K
Not sure which fits?
Tell us what you are trying to fund. A funding specialist will point you to the right structure, no pressure.
How hard is it?
From application to funded in four moves.
Apply online
10 minutes
Share your business basics, monthly revenue and how much you want to fund. No hard credit pull at this stage.
Can I trust it?
Real owners. Real amounts. Straight answers.
$85,000
“We bought two deck ovens and a delivery van. Zero interest meant the payments were covered by the first month of new wholesale orders.”
Marisol Vega, Owner
Casa Vega Bakery, Austin TX
$120,000
“Banks asked for two years of tax returns and a six-week wait. Here I had a human on the phone the same afternoon and funds in two days.”
Devon Whitfield, Founder
Whitfield Roofing, Columbus OH
What's the catch?
The 0% applies during the funded period outlined in your agreement. We explain every term, fee and end date in plain English before you sign, so nothing is a surprise.
Your next move shouldn't cost you interest.
Ten minutes. No hard credit pull to start. A real specialist on the line if you want one.