Smarter Finance USA is your source for equipment financing and small business loans.
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.
Perfect second transaction with Smarter Finance, Thanks to the entire team that made this deal easier than the last one we did two years ago. Anthony thanks for your help and Larry thank you for stepping in to get this all closed out.
Timely responses to questions and patience to listen and respond to questions. Thorough knowledge of the financing process
Edward was great to work with, kept me informed throughout the process, and persistent to find a financing option.
Smarter Finance USA has been a total game-changer for my company. They were very knowledgeable about my product. Good rates and happy clients. Where I have tried with other lenders and failed, Smarter Equipment Finance was able to get the job done in a highly professional manner. I am now moving twice as much product for my business. The sky is the limit. Thank you, Edward and the rest of your team, for such a pleasurable experience. Leonard Dodd ErectorBot CEO
They were prompt and did exactly what they said they was going to do, great experience
Very professional and everything was so easy.
My Dad and I worked with Kevin through the purchase of his trailer. The process from start to finish was fantastic. Kevin is very thoughtful, communicative and organized. Even through curve balls he was always there ready to assist. We are so pleased with the service and look forward to working with Kevin soon for more business equipment.
The greatest thing is how much money down everyone wanted atleast 30% 40% but going with smarter finance these guys know what they are doing and know all the best routes for a person and they do work things absolutely insane great and the customer service was phenomenal!!! A++++ highly recommended!!!
This was our second deal with Anthony at the helm, and I can honestly say we will not have anybody else help us with equipment financing. I’ve gotten to know Anthony on a personal level and a business level and he is a fantastic person inside and out. I would trust Anthony with my life, my money, my kids. You name it, I would trust him. Thank you Anthony!
These folks are AMAZING! Anthony Alvarez was with us from start to finish and went way above and beyond to help us get into our new drill rig. We couldn’t have done it without him! This company gets drillers and our needs, and we highly recommend them for equipment purchases!
ALEX JACKSON WENT ABOVE AND BEYOND ANY OF MY EXPECTATIONS, EXTREMELY HELPFUL AND EVEN BETTER AT CHANGING A USUAL STRESSFUL SITUATION INTO A PEACEFUL, EASY, FAMILY VIBE.I WOULDN'T WANT TO WORK WITH ANYONE ELSE AS LONG AS I CAN GET AHOLD OF HIM, I GIVE HIME AN A +++++++++++++ RATING
I had a great experience with Smarter Finance USA! Adam Czajkowski was knowledgeable and helpful throughout the process. He made financing easy and stress-free. Highly recommend!
Worked with Anthony of the smarter finance team, to help me with my equipment for my startup of a drilling company. He was upfront, polite, hardworking, and punctual on my deal. Since then he has stayed in touch and created a personal relationship with my business and self. I have now done several deals with Anthony and Smarter Finance, and wouldn't recommend anyone else for all your equipment needs big or small!!
What made my experience great was the customer service. The individual who handled my financing was remarkably patient throughout the entire process and demonstrated diligence in ensuring that the loan process moved along both promptly and efficiently. The representative made it clear that my understanding and comfort were their top priority. They took the time to explain every detail, answering all my questions with patience. Regardless of the time of day, they were available to provide assistance to my queries and I believe that showcases their dedication to the job and commitment to provide exceptional service. The great qualities in hired personnel make for exceptional service and I believe that Smarter Finance provides that.
I must say that I am very very satisfied with the service and the attention that I received from Clem Muhammad for helping me get funding for my business he treated me like I was VIP and with the up most respect and for that I am very grateful I appreciate your help and your support Thank you very much
In order to elevate our business to the next level, we needed equipment investment and operations capital to meet the growing demand of our customer base. Clem Muhammad’s professionalism and expertise in his field is inspiring. From the first point of contact, Clem supported our needs and position. I assure you from beginning to end he will advocate for you and guide you with pure clarity and nothing short of excellence. Thank you Clem and well done sir! The Montana team-Mclauchlin Enterprise, LLC
I can’t say enough about Charlie Daniel. He was professional from the first phone cal, all the way until the deal was sealed. I must’ve called a 100 times and he always answered the phone. Charlie always had an answer to my questions and if he didn’t, he was quick to get back to me. This was hands down the best experience when it comes to financing.
Nick is the man , great customer service , great communication , and an overall nice person . Thankful for him and his company's help in my recent backhoe purchase. Highly recommend nick and his team
I was displeased towards the end with communication between Profoam and the accounting department as they caused me not to be able to take possession of my trailer. It’s a 13 hour drive and now I have to drive all the way back up to get it. NOW let me tell you that Eric Raymond came in and literally was ON IT! I was extremely impressed on his sense of urgency and willingness to help me in anyway that he could. This would have went way down hill if it was not for him. Eric was exceptional the entire way through from start to finish and he is the only reason that I would consider you guys again for funding. He was great!
We are expanding into Decompression therapy and had multiple pieces of equipment to purchase. Robert Jackson and his team were able to make this happen quickly and efficiently. He was knowledgeable and friendly. I will use them in the future for purchasing equipment. Dr. R. K. Coleman
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