Restaurants
Restaurant operators face thin margins, high transaction volumes, and constant cash flow pressure. SmarterSwipe helps you protect your bottom line with optimized processing and flexible capital that moves as fast as your kitchen.
Payments
- Zero-cost and surcharge programs to eliminate processing fees
- Modern POS integration with Clover and leading restaurant systems
- Faster settlement times so you have cash when you need it
Capital
- Staffing and payroll bridge funding
- Inventory purchasing and vendor payments
- Expansion, remodels, and new location buildouts
Retail
Retail operators need predictable cash flow, competitive processing rates, and flexible funding to keep inventory moving. SmarterSwipe delivers all three in one relationship.
Payments
- Lower processing costs with dual pricing and surcharge programs
- Modern POS and inventory integrations
- Faster settlement times for improved cash flow
Capital
- Inventory purchasing and seasonal stock-up
- Store remodels or new location expansion
- Marketing campaigns and seasonal cash flow support
Service Businesses
From salons to consulting firms, service businesses rely on repeat customers and appointment-based revenue. SmarterSwipe provides processing built for invoices and recurring payments, plus capital to fuel your growth.
Payments
- Invoice and recurring payment processing
- Mobile and virtual terminal solutions for on-site work
- Competitive rates for card-not-present transactions
Capital
- Equipment and tools financing
- Hiring and training new staff
- Marketing to grow your customer base
Healthcare / Wellness
Medical practices, med spas, and wellness providers need compliant payment workflows and capital for equipment, staffing, and expansion. SmarterSwipe understands the unique needs of healthcare operators.
Payments
- HIPAA-aware payment workflows and compliant processing
- Recurring billing for membership and subscription models
- Integration with practice management systems
Capital
- New equipment and technology upgrades
- Hiring additional providers and support staff
- New location buildouts and office expansion
Franchises
Multi-unit franchise operators need unified processing across locations and capital solutions that scale. SmarterSwipe provides centralized reporting, consistent rates, and funding for every stage of growth.
Payments
- Unified processing and reporting across all locations
- Consistent rates and fee structures enterprise-wide
- Clover POS deployment and support for every unit
Capital
- New unit buildouts and franchise fee funding
- Multi-location inventory and equipment purchasing
- Working capital for seasonal fluctuations across units
Home Services
Plumbers, electricians, HVAC techs, and contractors need on-site payment solutions and capital for trucks, tools, and larger contracts. SmarterSwipe keeps your business moving.
Payments
- Mobile payment terminals for on-site collections
- Virtual terminal for phone and invoice payments
- Faster deposits to keep cash flow steady between jobs
Capital
- Vehicle and fleet financing
- Tools, equipment, and material purchasing
- Bonding and insurance support for larger contracts
E-Commerce
Online sellers need optimized gateway processing and capital to scale ad spend and inventory. SmarterSwipe provides both with revenue-based funding that grows with your business.
Payments
- Optimized online gateway processing with competitive rates
- Chargeback management and fraud prevention tools
- Multi-currency and cross-border payment support
Capital
- Scale ad spend with revenue-based capital
- Inventory purchasing and warehouse expansion
- Technology and platform development funding