Underwriting file
Criteria at a glance
Paper grades run from A (lower risk) to D (higher risk). Blank fields are unavailable rather than estimated.
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How this profile was found
These criteria were reported by a third-party directory and have not been confirmed by the lender. Criteria last observed in the source record: Aug 9, 2026. Confirm current criteria and submission contacts directly with the lender before sending merchant information.
For ISOs and brokers
Partner with The Smarter Merchant
How to request ISO onboarding, confirm the partnership process, and reach the lender’s business-development team.
Recommended next steps
- Use the contact information shown here to ask for the current ISO or broker onboarding package.
- Confirm the broker agreement, required business documents, commission schedule, submission method, and active buy box directly with the lender.
- Complete approval and portal access before sending merchant files or sensitive information.
These are general onboarding safeguards, not a lender-specific approval process. Confirm every requirement directly.
Financing products
What The Smarter Merchant offers
Product details have not been supplied by the lender yet.
Reputation
Reviews around the web
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52 reviews · checked Aug 2026
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Google returns up to five reviews ordered by relevance. Reviews are written by Google Maps users and are not verified by Lender List.
Feras kazleeI called them a couple months ago and they did approve me after a lot of information. It was not easy to get approved with good Income We was half small problem first before the money deposited to my account But we cleared it I pay everything on time I have only three payment left And I called them today February 27, 2026 I ask if I can hold only two payment which I have only three payment left because I’m going out of the country for two weeks they tell me we’re gonna do that but you need to pay all the money on one time when you come back they just put you in very bad position and I tell them okay I will do that. He tell me in 15 minutes. I will send you an email this being almost 3 hour I don’t receive the email. I call Money time now they don’t answer my phone and they know I’m leaving just tomorrow the 28th of February. I explained to them but they don’t need to help. I don’t recommend you guys use them because if you need them, they will not help you.
Hannah Nail SpaThis is the best company I know ! Ashley is best service !! She is are really kind and honest person! I love work with he. I really want recommend all people need to help 🙏🏻🙏🏻🙏🏻.
Bobby ViceOne of the best and streamlined loan I’ve ever had. I highly recommend you consider using this friendly and personable company.
rae pisenoThe smarter merchants is amazing company and really cares about their clients. They really listen to what I needed and followed through. Alan helped me through the process at an ease. It was a quick and easy process and had the money in my bank the next day! Thank you Alan and then smarter merchants!
Fiesta RentalsSmarter Merchant helped Fiesta Rentals grow a lot this year. Great company to work with. Fast funding, not too much paperwork. Ashley was always great with communication and made the process go as smooth as possible. Thank you Smarter Merchant!
First-hand accounts
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