Your Business Made Easy

Quick and Flexible Small Business Loan Alternatives

Smart Step Funding is an industry leader in providing small businesses the financing they need quickly and easily, regardless of credit. Our Total Deposit Advance (TDA) and Credit Card Advance (CCA) are the perfect funding options for small businesses that need money fast, have limited fixed assets, have variable/seasonal revenue flow, or have been turned down by a bank. Find out what we can do for you.

SSF is the direct funder

Smart Step Funding is the actual funding source for thousands of small businesses in the United States. We pride ourselves on being able to offer small business owners the financing they need to expand or strengthen their businesses. You can receive funds for your business within days.

Why Smart Step Funding?

It’s simple! You want a source of financing for small business that is fast, flexible, and transparent.  That’s what you get when you come to SSF.


Our 1-page application is simple and approval requires minimal documentation.


You can get pre-qualified within hours, and most businesses receive their money within days.


There are no fixed payments. When your business slows, you pay back less.


We look to your future and not your past. Even if you have marginal credit, we have solutions for you.

Find Your Industry

We work with businesses in virtually all industries, as long as the business has a physical location. Below are a few of our largest segments.

Business Cash Advance

Fast & Flexible

  • Get prequalified within days
  • Get more capital when you need it
  • You don’t have to have great credit
  • Multiple programs to fit various profiles

Competitive Rates

SSF offers some of the most competitive rates in the alternative business financing industry.


No hidden fees:   We do not charge any hidden fees; once we receive your complete application we will send you a proposal within hours, and what you see is what you get.


Sales Partners

SSF senior management team has an average of 30 years financial services experience with almost two decades specific to Cash Advance. The creation of automated underwriting systems, CRM, and reporting creates a compelling value proposition for our sales Partners.