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Lender profile

The Smarter Merchant

Direct funder New York City, NY Founded 2013 Checked Sep 10, 2026
The Smarter Merchant is a New York City merchant cash advance funder, operating since 2013, that says it funds deals directly rather than brokering them. Advances run from $5,000 to $500,000, with daily or weekly payments, pre-pay discounts and no collateral required. It says same-day approval and funding are available.
Visit thesmartermerchant.com Compare with similar funders

The open book

What The Smarter Merchant publishes, and what it doesn't

2 of 9 things a business owner needs to compare offers are on its website.

Published

Amounts
$5K–$500K
Minimum credit score
Not published
Minimum time in business
Not published
Minimum monthly revenue
Not published
Speed, in its words
Same day

The ledger

  • Funding amounts
  • Funding speed
  • Minimum credit score Not published
  • Minimum time in business Not published
  • Minimum revenue Not published
  • Price (rate or factor) Not published
  • Fees Not published
  • Term length Not published
  • Excluded industries Not published
Loosest published figure across its products, from its own website. Details by product below.

By product

The Smarter Merchant's products, as published

Open “Sources” under any product to see the exact wording and the page it came from.

Merchant cash advance

How merchant cash advance works
Price not published
Amounts
$5K–$500K
Price
Not published
Term
Not published
Repayment
Variable
Minimums
Credit n/p · Time in business n/p · Revenue n/p
Speed
Same-day approvals and same-day funding available
Fees
"Pre-Pay Discounts" are offered. No origination, admin or underwriting fee published.
Collateral
Not required
Sources (1)
  • "$5k - $500k" funding range; "Daily & Weekly" payments; "Same-day funding available"; "No collateral required"
    thesmartermerchant.com · checked 2026-09-10

Similar funders

Funders offering the same products

1st Alliance Group

Not stated
Not publishedCredit n/pNo price

Accord Business Funding

Direct funder
$5K–$150KCredit n/pNo price

Advantage Merchant Funding

Not stated
Not publishedCredit n/pNo price

Alternative Funding Group

Direct funder
$5K–$500KCredit n/pNo price

Amerifi Capital

Direct funder
From $25KCredit n/pNo price

Belltower Funding

Direct funder
Not publishedCredit n/pPrice published

Pages we read

  1. https://www.thesmartermerchant.com
Spotted something out of date? Funders and owners can send a correction with a link to where it's published. Listing The Smarter Merchant here doesn't mean it works with Openbook.

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