Smart Advance offers fast financing to eligible small and medium-sized businesses. Repay a fixed percentage of your daily sales.
Submit your request online, receive a quote the same day, and get the funds quickly.
Repay with a small fixed percentage of daily sales (typically 5 to 20%).
Pay a single flat fee agreed upon in advance (starting from 3%)
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Get business financing from 1,000 € up to 1,000,000 € and repay as you earn. You are eligible if:
Quick and simple
The decision is yours. This form of financing is an advance on your future sales, giving you the freedom to invest in renovating your business, expanding it, or simply increasing your cash flow to deal with unforeseen circumstances, slower periods, or even to repay debt.
Smart Advance is here to support your expansion and success.
Without commitment
All you have to do is click on « get financing » and follow the instructions.
During the application, you will be asked for more information about your business and your online and/or card sales.
This usually takes 5 to 10 minutes, and our team is always available to help you if you have any questions.
With Smart Advance, you can use the financing for any business purpose.
Most of our merchants use the funding to purchase inventory, invest in advertising, carry out renovations, add a new location, or manage a temporary disruption such as a lockdown.
Yes, of course, all our products are financeable through Smart Advance. Learn more.
Your offers will be based on your history of online and/or card sales. The longer you’ve been trading and the higher your monthly revenue, the better your offers will be. We offer financing up to twice your monthly revenue.
For example, if you have an e-commerce business generating 10,000 € per month on average, and you’ve been in business for 12 months, you could be eligible for financing of 15,000 € with fixed fees of 1,500 € and repayment of 20% of your daily sales.
Repayment will occur automatically in the form of a fixed percentage of daily sales.
For example, if your repayment is 20% of daily sales and you made 1,000 € in sales on a given day, 200 € would go towards repayment and 800 € would be retained by you. On days with no sales, you won’t repay anything. This means that, unlike traditional business loans with an ongoing interest rate, Smart Advance adjusts to your cash flow without any additional fees.
No. You only pay one fixed amount, so you know exactly what you will repay in advance.
If your application is approved, you could receive your funds the same day. The average duration is 1 to 2 business days.
Smart Advance is available to everyone, even if you’re not a customer with us!
You can also get financing for our solutions.
