Smarter Finance USA is your source for equipment financing and small business loans.
Is Smarter Finance USA legit?
Smarter Finance USA (smarterfinanceusa.com) has a 4.9 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 98% rating it 4 stars or higher; The business has replied to 50% of negative reviews; 14 of them were added in the last 12 months. Last updated 2026-09-04.
I had the pleasure to have Cheyne Wedgeworth handle my financing needs to purchase a truck, Cheyne worked with me thru it all. He answered my calls whether at work or when he was off. I would recommend him to anyone looking to get financed, he will make you a priority thru the whole process. Thanks Cheyne!!!! for all of your help, I really appreciate you, if ever I need financing again I will most definitely contact Cheyne & i will recommend him to all of my family & friends.
Eric Raymond was incredibly helpful! I had a financial/insurance problem involving some clerical issues that were really causing me a problem. He went above and beyond to help solve my problem! Although we didn’t complete a finance deal this time (because he helped find a better solution!) I will certainly be doing business with him in the future! Eric proved to me that his greatest concern was to actually provide help rather than just completing a deal that would’ve had made my life more difficult! Fantastic service Eric!!!
Working with Mr. Larry Molenburg was a pleasure! He kept me informed on the day to day process which didn’t last long at all. Would definitely reach out to him again in future!
David Bolce was not respectful during our interactions. His tone was rude, and he made the process feel frustrating instead of helpful. On top of that, the loan terms he offered were far worse than what I received from another lender. I would not recommend working with him based on my experience.
Fernando has been extremely pleasant to deal with. He is polite, punctual and professional - makes sure you are kept in the loop and would highly recommend his services for anyone interested in financing.
I worked with Robert Jackson on getting financing for my first semi trailer and had a really good experience! Very informative and efficient, he made made the whole experience go smoothly. I look forward to working with Smarter Equipment Finance on my next one!
Alex! Thank you for everything man! I know it wasn't easy & we appreciate your time & effort, you were super quick, professional, & informative with everything. I'm glad we got a chance to work with you!
Charlie Daniel was incredible at answering all my questions and providing advice. He invested time in his work and researching the best deals. He provided everything needed to finance the equipment in a timely manner. Overall, the financing process with Charlie was seamless and well executed. Highly recommended!
Kevin O’Boyle is excellent! I’ve used him for my own heavy equipment loan, and referred him to a lot of friends, and he’s closed our loans quickly, and headache free! He always answers his phone and gives you a straight answer, and that is becoming less common these days, so I appreciate him and will continue to use and refer him for all my heavy equipment loan needs!
Working with CharlesD was my very first commercial purchase! Charles was just a great person to work with! I mean seriously, the man is good at what he does! I can't find one area that he needs to improve in! My overall experience with SmarterFinanceUSA was remarkable! I look forward to paying off this loan and coming back to purchase more trucks! To the Smarter Finance Family, Uplyft Dump Truck Services LLC, appreciates you! Sincerely, Randall Woodard.
This company is very quick and efficient had my company financing and equipment able to pick up in a very short time fastest and easiest company I every use would highly recommend very professional
My first impression of their customer service was excellent. Charles Daniel, the representative I spoke with, demonstrated a thorough understanding of the loan application process and explained everything clearly. He took the time to find the finance company that best suited my business’s requirements. Overall, the process was smooth, straightforward, and fast!
Who made my experience great was Kevin, he was very professional, respectful and very helpful, he made the process for me very easy and smooth also he was very supportive of every step In my loan process, I do really appreciate his efforts, Kevin services was beyond description. smarter equipment finance company is very professional company and i would recommend it to everyone.
Charlie took care of us in many ways: First he has great customer service, second always kept in touch with us in the process of the loan. Third he followed through to the end and still calls back to see how we were doing.
Thank you, Charlie for all you help.
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