About Us

Our Vision

SSF 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 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 a week by obtaining either a total deposit advance or a credit card advance – two great alternatives to traditional small business loans or equity investments.

Our years of experience have provided us with a deep understanding of small businesses. Whether you’re a local Mom-and-Pop outlet, a one-person service provider, or a large multi-location chain, we have a program to suit your needs.


Why Choose 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.

Fast And Easy

Get pre-qualified within 24 hours and approval requires minimum documentation


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 bad credit, we have solutions for you.

Competitive Advantages

  • Proprietary quantitative scoring model, which generates steady and predictable performance and profits
  • Deep data, spanning more than a decade of the merchant cash advance industry
  • Competitive pricing and innovative products
  • In-house qualitative due diligence and risk management process
  • Full servicing infrastructure, managing portfolio from inception through all stages of collection and legal recovery
  • Automated systems throughout product lifecycle (underwriting, monitoring, collecting), creating scalability in the business model
  • Senior management team with more than 60 years of combined experience in specialty financial services