Serious capital.
Smarter payments.
Built for businesses that plan to grow.
Revenue-based capital up to $1M+ paired with processing programs that eliminate or reduce your fees. One partner. One relationship. Real results.
Capital available within 14 days of processing.
Capital Available
Revenue-based, no equity dilution
to Funding
Guarantee
How It Works
Capital, Structured Simply.
A direct path from evaluation to deployment.
Submit Your Business Overview
Share your core business details and recent performance. No hard credit checks. No unnecessary friction.
Review Your Capital & Processing Options
We assess eligibility and structure a custom capital solution aligned with your transaction flow.
Integrate & Activate
We integrate with your existing systems and activate your capital and payment infrastructure.
Revenue-Based Capital
Built Around Your Business
Capital based on actual business performance — not traditional bank underwriting. Flexible repayment tied to revenue means slower days never create unnecessary pressure. No equity dilution. No personal guarantees on credit.
This is not a commitment to lend. Final approval subject to underwriting. Final terms determined after 10 full days of processing activity.
Minimum Requirements
Reduce Overhead
Most businesses lose more to poor processing than they realize
Cash Flow Visibility
Real-time insight into what's coming in and going out
Capital Efficiency
Access capital more efficiently when payments are aligned
Processor Flexibility
Universal tokenization ensures long-term portability
Why Payments Matter
Most businesses lose more to poor processing than they realize.
We don't separate funding from payments — because they impact each other. When your processing is optimized, your capital works harder and your margins improve.
We use universal payment tokenization and multi-processor orchestration to ensure long-term portability and resilience. Your business isn't locked to one processor — ever.
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Learn more about capital.
See what you qualify for, how fast you can access it, and what the numbers look like for your business.
Every Growing Business Needs a CFO.
Now You Have One.
SmarterCFO turns your bank and processing statements into clear answers—profitability, cash flow, vendor costs, and hidden fee leaks—so you can make smarter decisions fast.
In minutes, you’ll know where you’re winning, where you’re bleeding, and what to fix next.
Processing Programs
Choose the Program That Fits Your Business
Every business is different. We offer multiple compliant pricing models so you keep more of what you earn.
Compliant Surcharge
Up to 3% (Visa cap)
Pass a portion of credit card processing costs to card-paying customers. A compliant, transparent approach used by thousands of businesses nationwide.
- Up to 3% surcharge on credit cards
- Debit cards excluded (no surcharge)
- Fully Visa/MC compliant
- Signage and disclosures provided
Industries We Serve
Capital & Payments for Every Vertical
From restaurants to medical practices, we serve businesses across every industry that accept payments and need capital to grow.
Why SmarterSwipe
Built Different. Built Better.
60-Day Guarantee
If our program doesn't meet your expectations, we'll switch you back — and still find ways for you to save.
White Glove Service
We handle installation, training, and setup. Focus on running your business while we take care of the rest.
Real Human Support
A real person answers when you call — not a robot. Dedicated support from people who know your business.
No Hidden Fees
Transparent pricing with no surprises on your monthly statement. No cancellation fees. No contracts.
Frequently Asked Questions
Got Questions? We've Got Answers.
With our Dual Pricing program, your POS displays two prices: a cash price and a card price (typically 4% higher). Customers who pay with cash get the lower price, while card-paying customers cover the processing cost. You keep 100% of every sale. It's fully compliant in all 50 states and transparent to your customers.
No. Our pre-approval process uses alternative data points to determine your eligibility and offer amount. There is no hard credit pull, so your personal credit score is never impacted.
Our capital is revenue-based, not debt-based. There's no traditional bank underwriting, no equity dilution, and repayment flexes with your daily sales. Estimated factor range is 1.13 – 1.22, with final terms determined after 10 full days of processing activity.
Most businesses get approved in minutes and can receive funding within 24 hours of approval. Capital is typically available within 14 days of starting processing with SmarterSwipe.
We can help. Many of our merchants switch from existing providers. We'll review your current agreement and in many cases can help cover early termination fees or find a compliant way to transition.
We provide top-of-the-line Clover and Valor POS hardware as part of our White Glove Service. We handle installation, configuration, and staff training — all included. If you already have compatible equipment, we can work with that too.
No. We don't believe in locking you in. We offer a 60-day satisfaction guarantee — if our program doesn't meet your expectations, we'll switch you back at no cost. We earn your business every month.
We serve businesses across every vertical — restaurants, retail, medical, dental, med spas, telehealth, B2B, wholesale, e-commerce, auto, professional services, franchises, hospitality, and more. If you accept payments and want to grow, we can help.
When capital and payments are aligned, growth becomes predictable. We don't separate funding from processing because they impact each other. Optimized processing improves your cash flow, which improves your capital terms. It's a compounding advantage most businesses miss.