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Smart Step Funding vs Accord Business Funding
Built live from what each lender publishes. Nothing here is estimated — where a lender publishes nothing, the cell says so.
| Attribute | Smart Step Funding | Accord Business Funding |
|---|---|---|
| On the record |
|
|
| Lender type | Direct funder | Direct funder |
| Products offered | MCA, Revenue-based | MCA |
| Published amounts | $5K – $300K | $5K – $150K |
| Pricing basis | Not disclosed | Not disclosed |
| Published rate | Not disclosed | Not disclosed |
| Disclosed fees | "No, the application is free. Smart Step Funding (SSF) does not impose any up-front charges whatsoever." Homepage: "We do not charge any hidden fees; once we receive your complete application we will send you a proposal within hours, and what you see is what you get." A non-sufficient funds (NSF) fee may be charged to cover the bank's NSF fee. | No factor rate, buy rate, origination fee, PSF or underwriting fee published on the public site. The partner page publishes only ISO compensation: "Up to 15% commission", "Up to 4% monthly volume bonus", "100% commission on renewals", "Next day commission payments". |
| Repayment frequency | Variable with revenue | Not disclosed |
| Term length | 6–18 months | Not disclosed |
| Minimum credit score | Not disclosed | Not disclosed |
| Minimum time in business | Not disclosed | Not disclosed |
| Minimum monthly revenue | Not disclosed | Not disclosed |
| Collateral required | Not disclosed | Not disclosed |
| Personal guarantee | Not disclosed | Not disclosed |
| States excluded | Not disclosed | Not disclosed |
| Industries excluded | Not disclosed | Not disclosed |
| Speed to fund | Pre-qualified within hours; most businesses receive their money within days | Decisions within 2–3 hours |
| Speed conditions | The /about-us page instead says 'Get pre-qualified within 24 hours' with 'funds for your business within a week' - see notes | This is a decision/approval time, not a funding time — the site publishes no time-to-fund. Contracts are executed via DocuSign. |
| Headquarters | Boca Raton, FL | Houston, TX |
| Established | Not disclosed | 2013 |
| Next step | Enquire Review | Enquire Review |
Rates on this page are not directly comparable unless the pricing basis matches. A factor rate of 1.30 and an APR of 30% are different measures of different things — a factor rate is a multiple of the amount advanced with no time dimension, an APR is annualised. Read the pricing basis row before comparing the rate row.