SMBX

5.0

Lending

The creator of the Small Business Bond™. Invest in the world you want to see and earn monthly passive income in the process.

Investment risk

Medium

Min investment

$10

Target return

5% - 10%

Fees

0%

Overview

SMBX is a marketplace connecting everyday investors like you with small businesses to invest in. You can earn up to 9% interest by investing in local small businesses. The Small Business Bond™ is a new way for you to invest in the local small businesses you love. A Bond is like a loan, but instead of borrowing funds from a bank, a business borrows from everyday investors just like you. Anyone with a US-based bank account can discover available Bonds, choose which to invest in, and receive monthly principal plus interest payments.

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Why Invest

  • Earn a 5-10% return on your investment
  • Monthly payouts–great for passive income and compound interest
  • Invest directly in small businesses to help local communities thrive

How you make money

You choose specific businesses on the SMBX marketplace to invest in by buying their Bonds. Once a Bond offering closes that you’ve invested in, you’ll begin receiving monthly payments for the duration of the Bond as the business pays you back. Unlike many bonds which pay back principal at the end of the bond term, SMBX Small Business Bonds™ pay out principal and interest monthly, so you can reinvest and compound your money further. You can either keep the funds in your Book, reinvest in new offerings, or withdraw to your bank account.

How SMBX makes money

Investors can invest with zero fees, and SMBX doesn’t make any interest on your money. SMBX makes money by charging businesses a 3.5% service fee of the total fundraise, only if successful. For example, if a business raises $100,000, they charge them $3,500 at the close of the offering.They also charge businesses a $100 annual maintenance fee through the maturity of their Bonds. There are multiple fees for businesses but SMBX does not charge any fees to investors.

Is it Safe?

SMBX’s underwriting team holistically reviews businesses who want to raise capital on the SMBX based on standardized criteria for risk, and only qualifies those businesses who meet those minimum criteria. Detailed information, including financial statements and whether the Bonds are secured against collateral is provided for investors’ review. SMBX is a FINRA-registered and SEC-governed Regulation Crowdfunding portal. SMBX does not offer investment advice or recommendations regarding the suitability of a particular investment opportunity for any particular investor. Investors must be able to assess businesses and their offerings and make investment decisions on their own.

Things to know

  • You make money onInterest
  • Fees0%
  • Payout frequencyMonthly
  • Term of investment36-60 months
  • LiquidityHard
  • Open toAll Investors

Company

  • Country availabilityUS only
  • Assets under managementUnknown
  • Established2018
  • Mobile ApplicationIOS

Investment Return Calculator

Calculate your estimated return to reach your investment goals.

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%

years

$

Monthly

Amount invested

$7,000

Total fees

$0

Value after fees

$8,238.58

Any references to past performance, regarding financial markets or otherwise, do not indicate or guarantee future results.

Forward-looking statements, including without limitations investment outcomes and projections, are hypothetical and educational in nature. The results of any hypothetical projections can and may differ from actual investment results had the strategies been deployed in actual securities accounts.

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