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UseSmartCapital

Funding options

Pick the funding that fits what you actually buy.

Four structures, one promise: a 0% intro period with plain-English terms. Compare them side by side.

Working Capital

Flexible capital for payroll, rent, supplier invoices and seasonal gaps. Draw only what you need and keep the rest available.

$10K – $250K6 – 18 months0% intro period
Commercial kitchen equipment and stainless steel ovens in bright clean light

Equipment

Ovens, trucks, machinery, POS systems. The equipment itself secures the funding, which keeps approval simpler.

Up to $500K·12 – 36 months

Inventory

Buy ahead of peak season and negotiate better supplier pricing.

$15K – $200K · 6 – 12 months

Expansion

Open a second location, hire a team or launch a marketing push.

$25K – $300K · 12 – 24 months

Side by side, no fine print.

TypeAmountTermFunding speedBest for
Working Capital$10K – $250K6 – 18 months1 – 2 daysPayroll, rent, gaps
EquipmentUp to $500K12 – 36 months2 – 4 daysMachinery, vehicles
Inventory$15K – $200K6 – 12 months1 – 3 daysSeasonal stock-up
Expansion$25K – $300K12 – 24 months2 – 4 daysNew location, hiring

Ranges are illustrative. Final amounts, terms and the 0% intro period depend on approval.