Our Partners

Independant Sales Organizations (ISOs)

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.



  • Automated risk scoring system gives you instant credit decisions on the majority of merchants
  • Dedicated account management team available to service you
  • We have a full range of merchant advance financing programs to fit virtually any merchant, ranging from premier merchants to those with marginal credit issues.
  • What you see is what you get: We never surprise your merchant with hidden fees or costs.
  • Superior customer service: Because our automated system does all the grunt work, our staff can focus on servicing you and your merchants.
  • Easy, turnkey renewal process: Renewals are handled by us internally and you just get a commission check without any work involved. Merchants typically renew every 2-3 months, so it becomes like an annuity for you.

Become an ISO partner


    Our Mission

    To inspire and enable the merchants we serve to achieve financial stability and success. With a passion for excellence, we strive to exceed the expectations of our customers, associates and partners

    Our Vision

    We will empower our customers to succeed in every aspect of their financial lives. Our community driven culture and ongoing commitment to superior service, innovative programs, and cutting-edge technology will provide you the tools needed to help business thrive.

    Our Objectives

    To be a source of financing that is fast, flexible and transparent

    Refer A Business

    As a valued client of Smart Step Funding, we want to offer YOU a chance to earn $500 to $1,000 just for recommending us to your fellow business owners. It’s just that simple! Each time we fund a deal from a merchant you referred, YOU get paid!


    How Does It Work?

    1. You talk to a merchant colleague about Smart Step Funding.
    2. Submit the referral form below OR call our Referral Hotline at (888) 636-2190.
    3. Smart Step Funding approves and wires the funds
    4. You collect a check of $1,000 on deals over $30,000 or $500 on deals under $30,000
    5. Once you’ve collected a check – REPEAT!

    It’s just that simple! Each time we fund a deal from a merchant you referred, YOU get paid!

    Refer a Business to SSF