If you searched “SMB Funds reviews,” you’re doing what every smart business owner does before handing anyone their information. Good. Keep doing it.
Full disclosure up front: SMB Funds wrote this page. So don’t take our word for anything here. We’ll show you who we are, what we do and don’t do, where to read reviews we don’t control and what to ask before you sign with us or anyone else.
One more thing. SMB Funds (smbfunds.net) is a New Jersey business funding consulting firm. We are not SMB Capital, SMB Compass, SMB Funding or the SMB municipal bond ETF. Different companies, different reviews. If you were looking for one of those, you’re in the wrong place.
What SMB Funds Actually Does
SMB Funds is a consulting company. We help business owners prepare for and apply to 0% introductory APR business funding, mostly business credit cards and lines of credit from mainstream banks. Our standard roadmap runs 16 weeks.
What we are not:
- Not a lender. We don’t lend you money. Banks make every credit decision.
- Not a merchant cash advance shop. No MCA, no daily debits.
- Not revenue based financing. We don’t take a cut of your sales.
- Not a guarantee. Nobody can promise you an approval or a dollar amount. Anyone who does is a red flag.
Two things worth knowing before you talk to us. Most business credit applications include a personal credit check and a personal guarantee. And 0% promotional rates end; after that the card’s standard rate applies.
Where to Read SMB Funds Reviews
Our reviews live on Google, where we can’t edit, hide or pay to remove anything. Read every SMB Funds review on Google.
As of November 9, 2026, we hold 5.0 stars across 134 Google reviews. Read the bad ones too.
What Clients Say
“Kendra, has been amazing to work with and made the process easy to understand and work through! I love that its one upfront fee rather than a percentage of funding.”
Chad H., via Google
“Great experiance with SMB it fast easy and they are always there to awnser any questions or concerns me and my father had”
Lisa D., via Google
“This was an amazing experience working with SMB funding!!!”
Ian M., via Google
Every client’s situation is different. These reviews reflect individual experiences, not a promise of results.
The Critical Reviews and What We Do About Them
No company that works with real clients has a perfect record. Be suspicious of any that looks like it does.
When we get a negative review, we reply and reach out to the client directly. We never ask anyone to change or remove a review in exchange for a refund or anything else.
Two concerns people raise about business funding consultants, including us:
- “I got approved for less than I hoped.” Banks set limits based on your credit, income, business history and recent inquiries. We can prepare you. We can’t decide for the bank.
- “Inquiries showed up on my personal credit.” Most business card applications pull personal credit. Ask any consultant how many applications they plan and in what order before you start.
How to Vet Any Business Funding Consultant
Use this list on us. Use it on everyone else too.
- They guarantee approvals or a dollar amount. Walk away. Banks decide.
- They tell you to inflate your income on applications. That’s not a strategy. That’s fraud and it’s on you.
- They call MCA or high cost loans “0% funding.” Ask exactly what product you’re applying for and what the rate is after the promo ends.
- There’s no written agreement. Get the scope, the fee, when you pay it and the cancellation terms in writing before you pay anything.
- They only show testimonials on their own site. Ask for their Google profile and read it yourself.
- They can’t explain how applications affect your personal credit. If they dodge this, they either don’t know or don’t want you to.
SMB Funds Reviews FAQ
Is SMB Funds legit?
SMB Funds is the trade name of The Agency Boardroom LLC, a New Jersey company with an office in Branchburg, NJ. Read our reviews on Google and ask us to verify anything you want.
Is SMB Funds a lender?
No. We’re consultants. Banks make all credit decisions.
Does SMB Funds guarantee funding?
No. No one can guarantee approvals, limits or rates.
Will this affect my personal credit?
Most business credit applications include a personal credit check, which can lower your score for a while. We cover this with you before any application goes in.
How long does it take?
Our standard roadmap runs 16 weeks. Bank timelines vary.
Is SMB Funds the same as SMB Capital, SMB Compass or SMB Funding?
No. Those are separate companies. Our site is smbfunds.net. Questions? Email support@smbfunds.net.
Disclosures: This article is published by SMB Funds (The Agency Boardroom LLC). SMB Funds is a consulting company, not a lender. It does not guarantee approvals, credit limits or interest rates. All credit decisions are made by lenders. Promotional 0% APR periods are temporary and standard rates apply afterward. Reviews quoted here are from real clients and reflect individual experiences. Results vary. Past client results do not indicate what any other client will receive.