Free funding tools, built for U.S. small businesses

Run real numbers before you apply. No email required, no signup, no fluff.

Business Loan Calculator

See your monthly payment, total interest, and full amortization schedule.

SBA Loan Calculator

Estimate payments for SBA 7(a), 504, Express, and Microloan programs.

MCA Calculator

Surface the real effective APR behind any merchant cash advance.

Funding Readiness Score

Get a 1-100 score and an action roadmap to improve your approval odds.

Equipment Financing Calculator

Compare $1 buyout, 10% buyout, and FMV lease structures with balloon-aware math.

Line of Credit Calculator

What a single draw on your business line of credit will really cost.

Debt Consolidation Calculator

Add up your debts and see how much consolidating into one loan could save.

SmarterLends — Business Funding for U.S. Small Businesses

SmarterLends connects U.S. small business owners with Breeze Capital, our preferred funding partner, for working capital, equipment financing, and growth funding.

Funding Options

Working Capital — Day-to-day operations, payroll, inventory, and cash flow gaps.
Business Line of Credit — Flexible access to capital when your business needs it.
Equipment Financing — Vehicles, tools, machines, and more.

How It Works

Review funding information on SmarterLends.
Click through to complete your application with Breeze Capital.
Qualified applicants may receive a decision in as little as 24 hours.

Basic Qualification Snapshot

At least 6 months in business
500+ FICO typically preferred
$10,000+ average monthly deposits
U.S.-based business

Industries We Serve

FAQ

Is SmarterLends a direct lender?: No. SmarterLends is a referral platform that connects business owners with Breeze Capital, our preferred funding partner.
How quickly can I hear back?: Many qualified applicants may receive a review within 24 hours, and some may be eligible for same-day funding.
What are the basic requirements?: At least 6 months in business, a 500+ FICO, and $10,000+ in average monthly deposits.

Apply Now at Breeze Capital →

SmarterLends is not a direct lender. Funding applications are completed on Breeze Capital.
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