About us

Smart Money Capital is one of the fastest-growing online lending companies in the industry, and we take pride in helping people get back on track with our low-rate personal and business loans.

We're here to help

We’re here to provide access to capital when you need it most. Whether it’s to payoff debt, or cover one of life’s unexpected expenses, we’re here for you. We prioritize transparency and work hard on your behalf.
Contact us today to learn more about how we can assist you in reaching your financial goals!

Our clients are family


Smart Money Capital is one of the fastest growing companies in the online lender space. We specialize in low rate personal and business loans to help people get back on track. Smart Money Capital operates as a licensed consumer lender and also provides loan referral services. Being transparent, and working diligently on your behalf is our mission.
No. Providing your basic information Will Not impact your credit score. To determine how much you qualify for, we conduct a “soft pull” on your credit. If you’re offered a loan and proceed with the application, a “hard inquiry” will be made to verify the accuracy of your application. This will be reported to at least one of the credit reporting agencies, and may affect your credit score.
Yes, a pre-qualification can take as little as 10 minutes. Simply click the Apply Now button to fill out our online application. After you submit your application, one of our Smart Money Capital loan consultants will call you to discuss your options. Or, feel free to call us directly at (800) 410-6311.
To get started, you’ll simply need to provide your name, email, phone number and address.
Most borrowers receive their funds within 24 to 48 hours of approval. Please note funding times may vary based on bank processing times and holidays.

How do I apply and how long does it take?

Get pre-approved in minutes!