Better Finance, Inc. . is a financial technology company providing innovative leasing and credit solutions to consumers and small businesses online, in-store and via mobile. Better Finance has two main products: SmartPay for Consumers Consumers rely on SmartPay, our lease-to-own payment plan, to get smartphones, accessories and other high-value items. SmartPay spreads the payments over an extended term to make them more affordable. SmartBiz for Small Business Small businesses use SmartBiz to quickly and easily apply online for low-interest, long-term, SBA-guaranteed working capital loans between $5,000 and $25,000 . The SmartBiz online application process can take less than 20 minutes and the loan can be funded in 5 to 7 business days after completing the application. Better Finance, Inc. is privately held and based in San Francisco. The company was founded in 2009 by a team of experienced financial services entrepreneurs with backing from leading venture capital firms including Investor Growth Capital, Venrock, First Round Capital, Baseline Ventures, and SoftTech VC.