{"id":3728,"date":"2023-05-26T15:42:00","date_gmt":"2023-05-26T15:42:00","guid":{"rendered":"https:\/\/moneymade.wpenginepowered.com\/?p=3728"},"modified":"2025-05-27T16:21:19","modified_gmt":"2025-05-27T16:21:19","slug":"smbx-review","status":"publish","type":"post","link":"https:\/\/moneymade.io\/learn\/reviews\/smbx-review\/","title":{"rendered":"SMBX Review: Earn Passive Income By Investing in Your Local Small Businesses."},"content":{"rendered":"\n<p><strong><em>SMBX bonds are available to non-accredited investors for as little as $10. Here\u2019s everything you need to know to start investing with SMBX.<\/em><\/strong><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:10%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:80%\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"450\" height=\"299\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-128.png\" alt=\"\" class=\"wp-image-3733\" style=\"width:722px;height:auto\" srcset=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-128.png 450w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-128-300x199.png 300w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-128-387x257.png 387w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-128-256x170.png 256w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:10%\"><\/div>\n<\/div>\n\n\n\n<p>Would you like to help the small businesses in your community thrive? Then you might be interested in SMBX as your next investment opportunity.&nbsp;<\/p>\n\n\n\n<p>The SMBX Small Business Bond\u2122 gives you the opportunity to invest in the local small businesses that you believe in. You can think of a bond like a loan. Instead of community businesses having to take out a loan from a bank, they can borrow from everyday investors like you. As an investor, you have the freedom to invest in the businesses you believe in, and you earn passive income through monthly interest payments.&nbsp;<\/p>\n\n\n\n<p>In this detailed SMBX review, we dig into what the SMBX platform offers, how to earn money, the pros and cons and much more.<\/p>\n\n\n\n<h2 id='borrow-our-cheat-sheet' class=\"wp-block-heading\" id=\"h-borrow-our-cheat-sheet\">Borrow our cheat sheet<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><img loading=\"lazy\" decoding=\"async\" width=\"33\" height=\"33\" class=\"wp-image-3677\" style=\"width: 33px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.30.51\u202fAM-e1748356420835-Edited.png\" alt=\"\" srcset=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.30.51\u202fAM-e1748356420835-Edited.png 33w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.30.51\u202fAM-e1748356420835-Edited-15x15.png 15w\" sizes=\"auto, (max-width: 33px) 100vw, 33px\" \/> <strong>Fees<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><img loading=\"lazy\" decoding=\"async\" width=\"44\" height=\"44\" class=\"wp-image-3678\" style=\"width: 44px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.31.39\u202fAM-Edited.png\" alt=\"\" srcset=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.31.39\u202fAM-Edited.png 44w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.31.39\u202fAM-Edited-15x15.png 15w\" sizes=\"auto, (max-width: 44px) 100vw, 44px\" \/><strong> Minimum to invest<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Zero<\/td><td class=\"has-text-align-center\" data-align=\"center\">$10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><img loading=\"lazy\" decoding=\"async\" width=\"38\" height=\"38\" class=\"wp-image-3679\" style=\"width: 38px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.31.47\u202fAM-Edited.png\" alt=\"\" srcset=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.31.47\u202fAM-Edited.png 38w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.31.47\u202fAM-Edited-15x15.png 15w\" sizes=\"auto, (max-width: 38px) 100vw, 38px\" \/><strong> Returns<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><img loading=\"lazy\" decoding=\"async\" width=\"31\" height=\"31\" class=\"wp-image-3680\" style=\"width: 31px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.32.01\u202fAM-e1748356491960-Edited.png\" alt=\"\" srcset=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.32.01\u202fAM-e1748356491960-Edited.png 31w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.32.01\u202fAM-e1748356491960-Edited-15x15.png 15w\" sizes=\"auto, (max-width: 31px) 100vw, 31px\" \/> <strong>Risk<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">Low<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n<\/div>\n\n\n\n<h2 id='pros-and-cons-of-smbx' class=\"wp-block-heading\" id=\"h-pros-and-cons-of-smbx\">Pros and cons of SMBX<\/h2>\n\n\n\n<div class=\"acf-block\">\n  <div class=\"pro-con\">\n    <div class=\"pro-con__half\">\n      <div class=\"pro-con__title\">\n                  <svg width=\"20\" height=\"22\" viewBox=\"0 0 20 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M18.3 9.35008C17.9676 9.00064 17.5672 8.72282 17.1236 8.53367C16.6799 8.34451 16.2023 8.24801 15.72 8.25008H14.06V8.20008C14.2 7.71008 14.33 7.20008 14.43 6.83008C14.7413 5.73795 14.8062 4.59033 14.62 3.47008C14.5091 2.74612 14.2243 2.05984 13.79 1.47008C13.3779 0.936521 12.8015 0.553474 12.15 0.380078C11.9569 0.332798 11.7588 0.30929 11.56 0.310078H11.44C11.1748 0.326457 10.916 0.39798 10.68 0.520078C10.2294 0.785815 9.89417 1.21017 9.74 1.71008V1.80008V1.91008L9.62 2.00008V2.17008L9.43 2.82008L9.33 3.16008L8.93 4.58008C8.90665 4.66566 8.87655 4.74925 8.84 4.83008C8.39 5.53008 7.91 6.24008 7.43 6.96008L6.56 8.25008H3.25C2.58696 8.25008 1.95107 8.51347 1.48223 8.98231C1.01339 9.45115 0.75 10.087 0.75 10.7501V18.7501C0.75 19.4131 1.01339 20.049 1.48223 20.5178C1.95107 20.9867 2.58696 21.2501 3.25 21.2501H5.25C5.87515 21.2502 6.47651 21.0104 6.93 20.5801C8.05 20.8301 9.29 21.0901 10.3 21.3001L11.7 21.5901L11.94 21.6501C12.1112 21.6891 12.285 21.7159 12.46 21.7301C12.6198 21.74 12.7802 21.74 12.94 21.7301C14.0439 21.7287 15.1163 21.3621 15.99 20.6874C16.8638 20.0127 17.4896 19.0678 17.77 18.0001C18.18 16.3801 19.04 13.0001 19.05 13.0001C19.1498 12.6508 19.2134 12.2923 19.24 11.9301C19.2653 11.4589 19.1951 10.9874 19.0336 10.544C18.872 10.1007 18.6225 9.69455 18.3 9.35008ZM12.94 19.7601H12.67H12.56L12.09 19.6701L10.71 19.3901L7.71 18.7501V10.0801C8.14 9.41008 8.59 8.74008 9.04 8.08008C9.49 7.42008 10 6.67008 10.47 6.00008C10.627 5.75053 10.7418 5.47688 10.81 5.19008L11.22 3.77008L11.33 3.38008L11.5 2.78008L11.56 2.55008V2.45008V2.40008C11.5571 2.37015 11.5571 2.34001 11.56 2.31008C11.7805 2.36033 11.9735 2.49262 12.1 2.68008C12.3391 3.03066 12.4963 3.43052 12.56 3.85008C12.6869 4.69246 12.6289 5.55236 12.39 6.37008C12.21 7.07008 11.67 9.01008 11.67 9.01008C11.6282 9.15765 11.6208 9.31287 11.6486 9.46373C11.6763 9.61459 11.7384 9.75705 11.83 9.88008C11.9242 10.0037 12.0435 10.1059 12.18 10.1801C12.322 10.2427 12.4749 10.2767 12.63 10.2801H15.63C15.8377 10.274 16.0444 10.3115 16.2368 10.3901C16.4292 10.4686 16.603 10.5866 16.7471 10.7363C16.8911 10.886 17.0023 11.0643 17.0734 11.2595C17.1445 11.4548 17.174 11.6627 17.16 11.8701C17.1341 12.0899 17.0906 12.3072 17.03 12.5201C17.03 12.5201 16.16 15.9101 15.74 17.5201C15.5767 18.1452 15.216 18.7008 14.7115 19.1044C14.207 19.508 13.5857 19.738 12.94 19.7601ZM2.75 10.7601C2.74717 10.6937 2.75817 10.6274 2.78229 10.5654C2.80642 10.5035 2.84315 10.4472 2.89015 10.4002C2.93716 10.3532 2.99342 10.3165 3.05536 10.2924C3.1173 10.2682 3.18358 10.2572 3.25 10.2601H5.75V18.7601C5.75283 18.8265 5.74183 18.8928 5.71771 18.9547C5.69358 19.0167 5.65685 19.0729 5.60985 19.1199C5.56284 19.1669 5.50658 19.2037 5.44464 19.2278C5.3827 19.2519 5.31642 19.2629 5.25 19.2601H3.25C3.18358 19.2629 3.1173 19.2519 3.05536 19.2278C2.99342 19.2037 2.93716 19.1669 2.89015 19.1199C2.84315 19.0729 2.80642 19.0167 2.78229 18.9547C2.75817 18.8928 2.74717 18.8265 2.75 18.7601V10.7601Z\" fill=\"#14AEA5\"\/>\n<\/svg>\n\n                  <h4>Pros<\/h4>\n              <\/div>\n      <div class=\"pro-con__content\">\n        <div class=\"ProsCons_Pros__m4eEk\">\n<div>\n<ul>\n<li>Open to non-accredited investors<\/li>\n<li>Invest in local small businesses that you care about<\/li>\n<li>Opportunity to earn passive income<\/li>\n<li>No fees<\/li>\n<li>Low minimum investment of $10<\/li>\n<\/ul>\n<\/div>\n<\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"pro-con__half\">\n      <div class=\"pro-con__title\">\n                  <svg width=\"20\" height=\"22\" viewBox=\"0 0 20 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M18.3 12.6499C17.9676 12.9994 17.5672 13.2772 17.1236 13.4663C16.6799 13.6555 16.2023 13.752 15.72 13.7499H14.06V13.7999C14.2 14.2899 14.33 14.7999 14.43 15.1699C14.7413 16.262 14.8062 17.4097 14.62 18.5299C14.5091 19.2539 14.2243 19.9402 13.79 20.5299C13.3779 21.0635 12.8015 21.4465 12.15 21.6199C11.9569 21.6672 11.7588 21.6907 11.56 21.6899H11.44C11.1748 21.6735 10.916 21.602 10.68 21.4799C10.2294 21.2142 9.89417 20.7898 9.74 20.2899V20.1999V20.0899L9.62 19.9999V19.8299L9.43 19.1799L9.33 18.8399L8.93 17.4199C8.90665 17.3343 8.87655 17.2507 8.84 17.1699C8.39 16.4699 7.91 15.7599 7.43 15.0399L6.56 13.7499H3.25C2.58696 13.7499 1.95107 13.4865 1.48223 13.0177C1.01339 12.5488 0.75 11.913 0.75 11.2499V3.24992C0.75 2.58688 1.01339 1.951 1.48223 1.48215C1.95107 1.01331 2.58696 0.749922 3.25 0.749922H5.25C5.87515 0.749792 6.47651 0.989618 6.93 1.41992C8.05 1.16992 9.29 0.909922 10.3 0.699923L11.7 0.409922L11.94 0.349922C12.1112 0.31085 12.285 0.284115 12.46 0.269922C12.6198 0.259991 12.7802 0.259991 12.94 0.269922C14.0439 0.271252 15.1163 0.637867 15.99 1.31259C16.8638 1.98732 17.4896 2.93222 17.77 3.99992C18.18 5.61992 19.04 8.99992 19.05 8.99992C19.1498 9.34915 19.2134 9.7077 19.24 10.0699C19.2653 10.5411 19.1951 11.0126 19.0336 11.456C18.872 11.8993 18.6225 12.3055 18.3 12.6499ZM12.94 2.23992H12.67H12.56L12.09 2.32992L10.71 2.60992L7.71 3.24992V11.9199C8.14 12.5899 8.59 13.2599 9.04 13.9199C9.49 14.5799 10 15.3299 10.47 15.9999C10.627 16.2495 10.7418 16.5231 10.81 16.8099L11.22 18.2299L11.33 18.6199L11.5 19.2199L11.56 19.4499V19.5499V19.5999C11.5571 19.6299 11.5571 19.66 11.56 19.6899C11.7805 19.6397 11.9735 19.5074 12.1 19.3199C12.3391 18.9693 12.4963 18.5695 12.56 18.1499C12.6869 17.3075 12.6289 16.4476 12.39 15.6299C12.21 14.9299 11.67 12.9899 11.67 12.9899C11.6282 12.8423 11.6208 12.6871 11.6486 12.5363C11.6763 12.3854 11.7384 12.243 11.83 12.1199C11.9242 11.9963 12.0435 11.8941 12.18 11.8199C12.322 11.7573 12.4749 11.7233 12.63 11.7199H15.63C15.8377 11.726 16.0444 11.6885 16.2368 11.6099C16.4292 11.5314 16.603 11.4134 16.7471 11.2637C16.8911 11.114 17.0023 10.9357 17.0734 10.7405C17.1445 10.5452 17.174 10.3373 17.16 10.1299C17.1341 9.91014 17.0906 9.69277 17.03 9.47992C17.03 9.47992 16.16 6.08992 15.74 4.47992C15.5767 3.85483 15.216 3.29916 14.7115 2.89556C14.207 2.49197 13.5857 2.26202 12.94 2.23992ZM2.75 11.2399C2.74717 11.3063 2.75817 11.3726 2.78229 11.4346C2.80642 11.4965 2.84315 11.5528 2.89015 11.5998C2.93716 11.6468 2.99342 11.6835 3.05536 11.7076C3.1173 11.7318 3.18358 11.7428 3.25 11.7399H5.75V3.23992C5.75283 3.17351 5.74183 3.10723 5.71771 3.04528C5.69358 2.98334 5.65685 2.92708 5.60985 2.88008C5.56284 2.83307 5.50658 2.79634 5.44464 2.77221C5.3827 2.74809 5.31642 2.73709 5.25 2.73992H3.25C3.18358 2.73709 3.1173 2.74809 3.05536 2.77221C2.99342 2.79634 2.93716 2.83307 2.89015 2.88008C2.84315 2.92708 2.80642 2.98334 2.78229 3.04528C2.75817 3.10723 2.74717 3.17351 2.75 3.23992V11.2399Z\" fill=\"#ED2348\"\/>\n<\/svg>\n\n                 <h4>Cons<\/h4>\n              <\/div>\n      <div class=\"pro-con__content\">\n        <div class=\"ProsCons_Cons___wyv4\">\n<div>\n<ul>\n<li>Only available to US investors<\/li>\n<li>Lending to small businesses can be risky<\/li>\n<li>Relatively short history (founded in 2018)<\/li>\n<\/ul>\n<\/div>\n<\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n<h2 id='what-is-smbx' class=\"wp-block-heading\" id=\"h-what-is-smbx\">What is SMBX?<\/h2>\n\n\n\n<p>Founded in 2018 and headquartered in San Francisco, California, SMBX is an online investment marketplace where you can purchase their Small Business Bond\u2122. SMBX is like a matchmaker for small businesses and everyday investors. It helps small businesses to&nbsp;<a href=\"https:\/\/www.entrepreneur.com\/article\/330049\" target=\"_blank\" rel=\"noreferrer noopener\"><u>raise capital<\/u><\/a>&nbsp;from individual investors instead of opting for a bank loan.<\/p>\n\n\n\n<p>For&nbsp;<a href=\"https:\/\/www.wsj.com\/articles\/small-business-owners-personal-debt-guarantees-coronavirus-pandemic-11617555245\" target=\"_blank\" rel=\"noreferrer noopener\"><u>small business owners<\/u><\/a>, this makes it easier to raise capital with less regulation, lower fees, and without having to give up a stake in the business.&nbsp;<\/p>\n\n\n\n<p>There are benefits for the investor as well. With extremely low investment minimums, anybody can invest in businesses they care about. In exchange, you receive your principal amount and interest paid back on a monthly basis. But, there is risk involved. When it comes to investing with SMBX, it\u2019s best if you only put in what you can afford to lose.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"693\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-129-1024x693.png\" alt=\"\" class=\"wp-image-3740\" srcset=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-129-1024x693.png 1024w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-129-300x203.png 300w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-129-768x520.png 768w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-129-380x257.png 380w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-129-251x170.png 251w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-129.png 1098w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-does-smbx-work\"><strong>How does SMBX work?<\/strong><\/h3>\n\n\n\n<p>1.&nbsp;<strong>SMBX analyzes each business\u2019s operating history.&nbsp;<\/strong>Before SMBX lists a business, SMBX first analyzes its operating history to ensure it\u2019s profitable. SMBX\u2019s underwriting team only qualifies businesses that meet their criteria for risk. SMBX considers factors such as how aggressive the company is with financing its growth, its current cash flow, management tenure, financial trends, and more.<\/p>\n\n\n\n<p>2.&nbsp;<strong>SMBX lists available offerings.&nbsp;<\/strong>SMBX then lists all businesses that meet its minimum criteria on the platform. Here, you can see the remaining time available to invest, how much each company has raised, and the expected yield. There\u2019s detailed information about the business, including its story and how it intends to use your funding. You&#8217;ll also find relevant financial documents, including the bond prospectus and the issuer\u2019s financial information.&nbsp;<\/p>\n\n\n\n<p>3.&nbsp;<strong>Invest in your favorite businesses.&nbsp;<\/strong>You may place bond orders on any offers listed on the Marketplace. Investor funds are housed in an escrow account managed by North Capital Private Securities until the close of the bond offering. Once fully funded, the business receives the money and the bonds are issued to investors.<\/p>\n\n\n\n<p>After the investors have received their bonds, the business will begin its monthly repayments one month after the bonds have been allocated.&nbsp;<\/p>\n\n\n\n<p>Note: You cannot resell or transfer your bonds for one year from the date of issue.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-who-can-invest-with-smbx\"><strong>Who can invest with SMBX?<\/strong><\/h3>\n\n\n\n<p>SMBX allows anyone with a US bank account and\/or credit card or debit card and a minimum investment of $10 to invest. You do not have to be an&nbsp;accredited investor&nbsp;to invest with SMBX but there are some investment limits set by the SEC that must be followed.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If an investor\u2019s income or net worth is less than $107,000 then their total investment limit is the greater of $2,200 or 5% of their annual income or net worth.<\/li>\n\n\n\n<li>If an investor\u2019s annual income and net worth is $107,000 or more then their total investment limit is 10% of the greater of their annual income or net worth.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Bottom line: as a non-accredited investor, the total amount that can be invested per year can not exceed $107,000.&nbsp;<\/p>\n\n\n\n<p>There are no investment limits set for accredited investors.<\/p>\n\n\n\n<h2 id='where-smbx-gets-it-right' class=\"wp-block-heading\" id=\"whereGetsItRight\">Where SMBX gets it right<\/h2>\n\n\n\n<p><strong>No fees<\/strong><\/p>\n\n\n\n<p>SMBX investors pay no fees. Investing with SMBX is totally free when you use your bank account to make a purchase. Instead of charging investors fees, SMBX makes its money by charging businesses a 3.5% service fee on the total fundraise, if it is successful. For instance, if a business manages to raise $100,000, SMBX will charge $3,500 at the close of the offering.&nbsp;<\/p>\n\n\n\n<p><strong>Low minimum investment&nbsp;<\/strong><\/p>\n\n\n\n<p>SMBX allows investors to get started for as little as $10. This is a low barrier to entry allowing those with a relatively small amount of investment money to start investing in a more alternative platform. SMBX also allows both accredited and non-accredited investors to participate, however there are maximum investment limits for non-accredited investors.&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>Community impact&nbsp;<\/strong><\/p>\n\n\n\n<p>SMBX gives investors the opportunity to invest in the local small businesses that they love. It\u2019s kind of a win-win situation when you get to invest in your community and make a passive income while you do it.<\/p>\n\n\n\n<h2 id='where-smbx-could-do-better' class=\"wp-block-heading\" id=\"whereCouldDoBetter\">Where SMBX could do better<\/h2>\n\n\n\n<p><strong>Liquidity&nbsp;<\/strong><\/p>\n\n\n\n<p>Bonds purchased through SMBX can&#8217;t be resold or transferred for a one-year period from the date they are issued (with some exceptions). Even after one year, there is no guarantee that there will be liquidity for the bonds. As a result, investors should carefully consider the risk of investing with SMBX before moving forward.&nbsp;<\/p>\n\n\n\n<p><strong>Not all bonds are secured&nbsp;<\/strong><\/p>\n\n\n\n<p>While some of SMBX\u2019s bonds are secured, others are unsecured. As an investor, an unsecured bond adds an additional layer of risk. This is just another thing to be aware of. Be sure to carefully review the prospectus of the company you are considering investing in.&nbsp;<\/p>\n\n\n\n<p><strong>Relatively short history&nbsp;<\/strong><\/p>\n\n\n\n<p>SMBX was founded in 2018, it doesn\u2019t have a super long history. This isn\u2019t necessarily a reason to not invest with SMBX, it\u2019s just something to consider.<\/p>\n\n\n\n<h2 id='can-you-really-make-money-on-smbx' class=\"wp-block-heading\" id=\"canYouReallyMakeMoneyOn\">Can you really make money on SMBX?<\/h2>\n\n\n\n<p>According to SMBX, you can earn up to 9% interest by purchasing Small Business Bonds\u2122 in $10 increments. You can think of a bond like a loan. However, instead of having to borrow from a bank, small businesses borrow from investors like you. As an example, let\u2019s say you invest $2,000 and earn a 9% yield rate. You can earn $98.84 in passive income in a year or $492 in five years. If you invest $5,000 at 9%, that\u2019s $245.50 in passive income in a year or $1,337.51 in five years.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-130-1024x683.png\" alt=\"\" class=\"wp-image-3741\" srcset=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-130-1024x683.png 1024w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-130-300x200.png 300w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-130-768x512.png 768w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-130-386x257.png 386w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-130-255x170.png 255w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-130.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-do-i-make-money-with-smbx-nbsp\"><strong>How do I make money with SMBX?&nbsp;<\/strong><\/h3>\n\n\n\n<p>You earn money through monthly principal and interest payments. However, you will only receive your full principal and interest payments on an investment bond if:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The offering successfully closes and you are allocated the bond(s)<\/li>\n\n\n\n<li>You hold the bond until maturity<\/li>\n\n\n\n<li>The issuer (the small or medium-sized business) makes payments on the bond maturity without default&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How do I cash out with SMBX?<\/strong><\/h3>\n\n\n\n<p>You can make withdrawals on your principal returned and interest returned through your online profile in the SMBX Investment Center. The minimum withdrawal amount is set at $10 per transfer and withdrawals can only be made to a US bank account via ACH (automated clearing house). The processing time for ACH funds can take 3 to 5 business days.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>SMBX vs traditional investing&nbsp;<\/strong><\/h3>\n\n\n\n<p>Purchasing SMBX bonds can be a good way to diversify your portfolio. Instead of investing in companies on the S&amp;P 500, you can fund companies that you care about in your local community.&nbsp;&nbsp;<\/p>\n\n\n\n<p>When you buy a traditional investment such as a stock, you essentially own a proportional share of a company. When you invest with SMBX, you are investing in bonds. Bonds are debt investments. So, instead of owning a proportional piece of the company, the company owes you for investing.&nbsp;<\/p>\n\n\n\n<p>When you invest your money in a stock, you don\u2019t know how much money you are going to make or lose. However, when you invest in a Small Business Bond using SMBX, the bond has a fixed interest rate and a set payback period. This doesn\u2019t mean an SMBX bond is risk-free\u2014it is not. But it does mean that you know what to expect from your investment. Unlike traditional bonds which generally pay in the 5% to 6% range, SMBX bonds can pay up to 9%. Additionally. Unlike many bonds which pay the principal back at the end of the term, SMBX Small Business Bonds pay out principal and interest monthly.&nbsp;&nbsp;<\/p>\n\n\n\n<p>As with any type of investment, it\u2019s important that you understand the risks and benefits associated. When investing in an SMBX bond, you can heed similar advice to when you invest in an individual stock or crypto\u2014only invest what you can afford to lose.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"693\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-131-1024x693.png\" alt=\"\" class=\"wp-image-3742\" srcset=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-131-1024x693.png 1024w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-131-300x203.png 300w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-131-768x520.png 768w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-131-380x257.png 380w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-131-251x170.png 251w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-131.png 1098w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n<\/div>\n\n\n\n<h2 id='what-other-people-are-saying-about-smbx' class=\"wp-block-heading\" id=\"h-what-other-people-are-saying-about-smbx\">What other people are saying about SMBX<\/h2>\n\n\n\n<p>There are a number of small business owners who are excited to share their bond offerings from SMBX on social media. The business owners share details about their small business and what they want to do with the funding they receive through SMBX.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"657\" height=\"212\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-132.png\" alt=\"\" class=\"wp-image-3743\" srcset=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-132.png 657w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-132-300x97.png 300w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-132-431x139.png 431w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-132-286x92.png 286w\" sizes=\"auto, (max-width: 657px) 100vw, 657px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n<\/div>\n\n\n\n<p>Some business owners use their social media to reach out for support in an effort to meet their funding goals through SMBX.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"653\" height=\"707\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-133.png\" alt=\"\" class=\"wp-image-3744\" srcset=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-133.png 653w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-133-277x300.png 277w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-133-237x257.png 237w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-133-157x170.png 157w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-133-15x15.png 15w\" sizes=\"auto, (max-width: 653px) 100vw, 653px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n<\/div>\n\n\n\n<h2 id='are-there-other-apps-like-smbx' class=\"wp-block-heading\" id=\"h-are-there-other-apps-like-smbx\">Are there other apps like SMBX?<\/h2>\n\n\n\n<p>Other investment platforms that allow you to invest in small businesses while earning passive income and paying 0% in fees include MyConstant and&nbsp;<a href=\"https:\/\/moneymade.io\/discover\/worthy\"><u>Worthy<\/u><\/a>.<\/p>\n\n\n\n<p>Similar to SMBX, MyConstant connects everyday investors and borrowers. However, MyConstant provides secured loans while SMBX offers Small Business Bonds. MyConstant requires borrowers to put up collateral so if they default on their loan, their collateral is sold and the investor receives their money back. This is not always the case with SMBX\u2014some loans may be backed by collateral while others may not.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Both SMBX and MyConstant provide a similar range of earnings. With SMBX you can earn up to 9%, and with MyConstant you can earn between 4% to 9%, depending on the type of investment product you choose.&nbsp;<\/p>\n\n\n\n<p>With Worthy, you can invest in 5% interest-earning bonds. Bonds are backed by collateral such as inventory and account receivables to secure the funds. Similar to SMBX, Worthy connects everyday lenders to small businesses. Similar to SMBX, investors can get started with a low minimum payment of $10 and receive a fixed return. However, the maximum you can earn with Worthy is 5%, with SMBX you have the potential to earn up to 9%.<\/p>\n\n\n\n<h2 id='our-hot-take-on-smbx' class=\"wp-block-heading\" id=\"ourHotTakeOn\">Our hot take on SMBX<\/h2>\n\n\n\n<p>SMBX provides a great opportunity for everyday investors to lend to local businesses in their community and make passive income. SMBX is incredibly accessible as it\u2019s open to both accredited and unaccredited investors and only requires a minimum investment of $10. There are also no fees.&nbsp;<\/p>\n\n\n\n<p>As with an investment opportunity, when you invest in SMBX Small Business Bonds you are taking on a certain amount of risk. It\u2019s possible the business you invest in may buckle and be unable to repay your investment. Be sure to carefully review the prospectus of the company you are considering investing in.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"howDoISignUpFor\">I\u2019m in! How do I sign up for SMBX?<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">1.&nbsp;Join MoneyMade (for free)<\/h4>\n\n\n\n<p>Sign up for a MoneyMade account so you can track and manage all of your online investments in one convenient place.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">2.&nbsp;Sign up on SMBX<\/h4>\n\n\n\n<p>Head to the SMBX website and click on the yellow \u201csign up\u201d button or the \u201cstart investing\u201d button to create your account.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">3.&nbsp;Select the type of account<\/h4>\n\n\n\n<p>You will be prompted to choose the type of account you want to create\u2014an individual account for personal use or an organization account for a company or institutional investing.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">4.&nbsp;Add personal details<\/h4>\n\n\n\n<p>You will be promoted to add personal details including your name and email address.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">5.&nbsp;Confirm your email<\/h4>\n\n\n\n<p>You will receive an email to confirm your account which includes information on investor education and SMBX compensation.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">6.&nbsp;Complete your investor profile<\/h4>\n\n\n\n<p>You will be asked for additional details including your Social Security Number, and you will have to upload a piece of photo ID to verify your identity.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">7.&nbsp;Calculate investment limit<\/h4>\n\n\n\n<p>Next, SMBX needs to calculate your investment limit. To do so, you need to include your estimated annual income, net worth, whether you\u2019re an accredited investor, and how much you\u2019ve invested in crowdfunding offerings over the last 12 months.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">8.&nbsp;Disclosures<\/h4>\n\n\n\n<p>There are some disclosures that must be completed before you can progress.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">9.&nbsp;Link your bank or credit card<\/h4>\n\n\n\n<p>The last thing you need to do before you can start investing is link your bank account or credit card. SMBX uses Plaid (a payment processor), so connecting your account is as easy as possible.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">10.&nbsp;Start investing<\/h4>\n\n\n\n<p>You\u2019re now free to invest in the various opportunities SMBX has on offer. Each offering lists the name of the company, the bond offering, interest rate, term, company location, and the number of days left to invest. Click on each bond offering to find additional details on the company and how they will use the money you invest.<\/p>\n\n\n\n  <div id=\"accordion\" class=\"accordion-wrap accordion-wrap--inline-content\">\n    <div class=\"outer-container\">\n                <h3 class=\"accordion__main-title\">FAQs<\/h3>\n                           \n          <div class=\"accordion-tab \">\n                          <h4 class=\"accordion-title\">How does SMBX work?<svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M12 8L6 14L7.41 15.41L12 10.83L16.59 15.41L18 14L12 8Z\" fill=\"#0A0028\"\/>\n<\/svg>\n<\/h4>\n                          <div class=\"accordion-content\">\n                <div class=\"accordion-content-text\">\n                  <p>The SMBX Small Business Bond\u2122 is similar to a loan. But instead of companies borrowing funds from a bank, they can borrow from everyday investors. Anyone with a US-based bank account can invest and receive monthly principal and interest payments. Minimum investments start at $10 and there are no fees to invest.<\/p>\n                <\/div>\n              <\/div>\n                      <\/div>\n                 \n          <div class=\"accordion-tab \">\n                          <h4 class=\"accordion-title\">Can small businesses issue bonds?<svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M12 8L6 14L7.41 15.41L12 10.83L16.59 15.41L18 14L12 8Z\" fill=\"#0A0028\"\/>\n<\/svg>\n<\/h4>\n                          <div class=\"accordion-content\">\n                <div class=\"accordion-content-text\">\n                  <p>The Small Business Bond\u2122 provides a way for small and medium-sized businesses to raise capital. The SMBX connects businesses with everyday investors. In the past, only governments and large corporations were able to raise capital by issuing bonds.<\/p>\n                <\/div>\n              <\/div>\n                      <\/div>\n                 \n          <div class=\"accordion-tab \">\n                          <h4 class=\"accordion-title\">What is a small business bond?<svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M12 8L6 14L7.41 15.41L12 10.83L16.59 15.41L18 14L12 8Z\" fill=\"#0A0028\"\/>\n<\/svg>\n<\/h4>\n                          <div class=\"accordion-content\">\n                <div class=\"accordion-content-text\">\n                  <div class=\"FaqBlock_FaqBlock__DS2Fl\">\n<section class=\"mu-container Container-module_Container__p2WRR FaqBlock_Container__GGTHp\">\n<div class=\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\">\n<p class=\"mu-p1 FontGenerator-module_Font__-qoUg FontGenerator-module_Light__sW-hU \">The SMBX Small Business Bond\u2122 is a debt-based financial asset. Using an SMBX bond, an investor loans money to a small or medium-sized business in exchange for the business\u2019s promise to repay the borrowed money plus interest.<\/p>\n<\/div>\n<\/section>\n<\/div>\n                <\/div>\n              <\/div>\n                      <\/div>\n            <\/div>\n  <\/div>\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n        \"@type\": \"Question\",\n        \"name\": \"How does SMBX work?\",\n        \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"<p>The SMBX Small Business Bond\\u2122 is similar to a loan. But instead of companies borrowing funds from a bank, they can borrow from everyday investors. Anyone with a US-based bank account can invest and receive monthly principal and interest payments. Minimum investments start at $10 and there are no fees to invest.<\/p>\\n\"\n        }\n    },\n    {\n        \"@type\": \"Question\",\n        \"name\": \"Can small businesses issue bonds?\",\n        \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"<p>The Small Business Bond\\u2122 provides a way for small and medium-sized businesses to raise capital. The SMBX connects businesses with everyday investors. In the past, only governments and large corporations were able to raise capital by issuing bonds.<\/p>\\n\"\n        }\n    },\n    {\n        \"@type\": \"Question\",\n        \"name\": \"What is a small business bond?\",\n        \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"<div class=\\\"FaqBlock_FaqBlock__DS2Fl\\\">\\n<section class=\\\"mu-container Container-module_Container__p2WRR FaqBlock_Container__GGTHp\\\">\\n<div class=\\\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\\\">\\n<p class=\\\"mu-p1 FontGenerator-module_Font__-qoUg FontGenerator-module_Light__sW-hU \\\">The SMBX Small Business Bond\\u2122 is a debt-based financial asset. 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Then you might be interested in SMBX as your next investment opportunity.&nbsp; The SMBX Small Business Bond\u2122 gives you the [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":3733,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"footnotes":""},"categories":[5],"tags":[17,44,52,18],"post_authors":[97],"class_list":["post-3728","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews","tag-bonds","tag-lending","tag-passive-income","tag-small-business"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.1 (Yoast SEO v25.2) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>SMBX Review: Earn Passive Income By Investing in Your Local Small Businesses | MoneyMade<\/title>\n<meta name=\"description\" content=\"SMBX bonds are available to non-accredited investors for as little as $10. Here\u2019s everything you need to know to start investing with SMBX.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/moneymade.io\/learn\/reviews\/smbx-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SMBX Review: Earn Passive Income By Investing in Your Local Small Businesses.\" \/>\n<meta property=\"og:description\" content=\"SMBX bonds are available to non-accredited investors for as little as $10. 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Here\u2019s everything you need to know to start investing with SMBX.<\/em><\/strong><\/p>\n","innerContent":["\n<p><strong><em>SMBX bonds are available to non-accredited investors for as little as $10. Here\u2019s everything you need to know to start investing with SMBX.<\/em><\/strong><\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/spacer","attrs":{"height":"40px"},"innerBlocks":[],"innerHTML":"\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","innerContent":["\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/columns","attrs":[],"innerBlocks":[{"blockName":"core\/column","attrs":{"width":"10%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:10%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:10%\"><\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"80%"},"innerBlocks":[{"blockName":"core\/image","attrs":{"id":3733,"width":"722px","height":"auto","sizeSlug":"full","linkDestination":"none"},"innerBlocks":[],"innerHTML":"\n<figure class=\"wp-block-image size-full is-resized\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-128.png\" alt=\"\" class=\"wp-image-3733\" style=\"width:722px;height:auto\"\/><\/figure>\n","innerContent":["\n<figure class=\"wp-block-image size-full is-resized\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-128.png\" alt=\"\" class=\"wp-image-3733\" style=\"width:722px;height:auto\"\/><\/figure>\n"]}],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:80%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:80%\">",null,"<\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"10%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:10%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:10%\"><\/div>\n"]}],"innerHTML":"\n<div class=\"wp-block-columns\">\n\n\n\n<\/div>\n","innerContent":["\n<div class=\"wp-block-columns\">",null,"\n\n",null,"\n\n",null,"<\/div>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Would you like to help the small businesses in your community thrive? Then you might be interested in SMBX as your next investment opportunity.&nbsp;<\/p>\n","innerContent":["\n<p>Would you like to help the small businesses in your community thrive? Then you might be interested in SMBX as your next investment opportunity.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>The SMBX Small Business Bond\u2122 gives you the opportunity to invest in the local small businesses that you believe in. You can think of a bond like a loan. Instead of community businesses having to take out a loan from a bank, they can borrow from everyday investors like you. As an investor, you have the freedom to invest in the businesses you believe in, and you earn passive income through monthly interest payments.&nbsp;<\/p>\n","innerContent":["\n<p>The SMBX Small Business Bond\u2122 gives you the opportunity to invest in the local small businesses that you believe in. You can think of a bond like a loan. Instead of community businesses having to take out a loan from a bank, they can borrow from everyday investors like you. As an investor, you have the freedom to invest in the businesses you believe in, and you earn passive income through monthly interest payments.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>In this detailed SMBX review, we dig into what the SMBX platform offers, how to earn money, the pros and cons and much more.<\/p>\n","innerContent":["\n<p>In this detailed SMBX review, we dig into what the SMBX platform offers, how to earn money, the pros and cons and much more.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"h-borrow-our-cheat-sheet\">Borrow our cheat sheet<\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"h-borrow-our-cheat-sheet\">Borrow our cheat sheet<\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/columns","attrs":[],"innerBlocks":[{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"50%"},"innerBlocks":[{"blockName":"core\/table","attrs":[],"innerBlocks":[],"innerHTML":"\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><img class=\"wp-image-3677\" style=\"width: 33px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.30.51\u202fAM-e1748356420835-Edited.png\" alt=\"\"> <strong>Fees<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><img class=\"wp-image-3678\" style=\"width: 44px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.31.39\u202fAM-Edited.png\" alt=\"\"><strong> Minimum to invest<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Zero<\/td><td class=\"has-text-align-center\" data-align=\"center\">$10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><img class=\"wp-image-3679\" style=\"width: 38px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.31.47\u202fAM-Edited.png\" alt=\"\"><strong> Returns<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><img class=\"wp-image-3680\" style=\"width: 31px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.32.01\u202fAM-e1748356491960-Edited.png\" alt=\"\"> <strong>Risk<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">Low<\/td><\/tr><\/tbody><\/table><\/figure>\n","innerContent":["\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><img class=\"wp-image-3677\" style=\"width: 33px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.30.51\u202fAM-e1748356420835-Edited.png\" alt=\"\"> <strong>Fees<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><img class=\"wp-image-3678\" style=\"width: 44px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.31.39\u202fAM-Edited.png\" alt=\"\"><strong> Minimum to invest<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Zero<\/td><td class=\"has-text-align-center\" data-align=\"center\">$10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><img class=\"wp-image-3679\" style=\"width: 38px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.31.47\u202fAM-Edited.png\" alt=\"\"><strong> Returns<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><img class=\"wp-image-3680\" style=\"width: 31px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.32.01\u202fAM-e1748356491960-Edited.png\" alt=\"\"> <strong>Risk<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">Low<\/td><\/tr><\/tbody><\/table><\/figure>\n"]}],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:50%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:50%\">",null,"<\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]}],"innerHTML":"\n<div class=\"wp-block-columns\">\n\n\n\n<\/div>\n","innerContent":["\n<div class=\"wp-block-columns\">",null,"\n\n",null,"\n\n",null,"<\/div>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"h-pros-and-cons-of-smbx\">Pros and cons of SMBX<\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"h-pros-and-cons-of-smbx\">Pros and cons of SMBX<\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"acf\/pro-con","attrs":{"name":"acf\/pro-con","data":{"pro_icon":"","_pro_icon":"field_652d6dd6b35e4","pro_title":"Pros","_pro_title":"field_652d6df3b35e5","pro_content":"<div class=\"ProsCons_Pros__m4eEk\">\r\n<div>\r\n<ul>\r\n \t<li>Open to non-accredited investors<\/li>\r\n \t<li>Invest in local small businesses that you care about<\/li>\r\n \t<li>Opportunity to earn passive income<\/li>\r\n \t<li>No fees<\/li>\r\n \t<li>Low minimum investment of $10<\/li>\r\n<\/ul>\r\n<\/div>\r\n<\/div>","_pro_content":"field_652d6e03b35e6","con_icon":"","_con_icon":"field_652d6e0eb35e7","con_title":"Cons","_con_title":"field_652d6e19b35e8","con_content":"<div class=\"ProsCons_Cons___wyv4\">\r\n<div>\r\n<ul>\r\n \t<li>Only available to US investors<\/li>\r\n \t<li>Lending to small businesses can be risky<\/li>\r\n \t<li>Relatively short history (founded in 2018)<\/li>\r\n<\/ul>\r\n<\/div>\r\n<\/div>","_con_content":"field_652d6e20b35e9"},"mode":"preview"},"innerBlocks":[],"innerHTML":"","innerContent":[]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"h-what-is-smbx\">What is SMBX?<\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"h-what-is-smbx\">What is SMBX?<\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Founded in 2018 and headquartered in San Francisco, California, SMBX is an online investment marketplace where you can purchase their Small Business Bond\u2122. SMBX is like a matchmaker for small businesses and everyday investors. It helps small businesses to&nbsp;<a href=\"https:\/\/www.entrepreneur.com\/article\/330049\" target=\"_blank\" rel=\"noreferrer noopener\"><u>raise capital<\/u><\/a>&nbsp;from individual investors instead of opting for a bank loan.<\/p>\n","innerContent":["\n<p>Founded in 2018 and headquartered in San Francisco, California, SMBX is an online investment marketplace where you can purchase their Small Business Bond\u2122. SMBX is like a matchmaker for small businesses and everyday investors. It helps small businesses to&nbsp;<a href=\"https:\/\/www.entrepreneur.com\/article\/330049\" target=\"_blank\" rel=\"noreferrer noopener\"><u>raise capital<\/u><\/a>&nbsp;from individual investors instead of opting for a bank loan.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>For&nbsp;<a href=\"https:\/\/www.wsj.com\/articles\/small-business-owners-personal-debt-guarantees-coronavirus-pandemic-11617555245\" target=\"_blank\" rel=\"noreferrer noopener\"><u>small business owners<\/u><\/a>, this makes it easier to raise capital with less regulation, lower fees, and without having to give up a stake in the business.&nbsp;<\/p>\n","innerContent":["\n<p>For&nbsp;<a href=\"https:\/\/www.wsj.com\/articles\/small-business-owners-personal-debt-guarantees-coronavirus-pandemic-11617555245\" target=\"_blank\" rel=\"noreferrer noopener\"><u>small business owners<\/u><\/a>, this makes it easier to raise capital with less regulation, lower fees, and without having to give up a stake in the business.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>There are benefits for the investor as well. With extremely low investment minimums, anybody can invest in businesses they care about. In exchange, you receive your principal amount and interest paid back on a monthly basis. But, there is risk involved. When it comes to investing with SMBX, it\u2019s best if you only put in what you can afford to lose.<\/p>\n","innerContent":["\n<p>There are benefits for the investor as well. With extremely low investment minimums, anybody can invest in businesses they care about. In exchange, you receive your principal amount and interest paid back on a monthly basis. But, there is risk involved. When it comes to investing with SMBX, it\u2019s best if you only put in what you can afford to lose.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/columns","attrs":[],"innerBlocks":[{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"50%"},"innerBlocks":[{"blockName":"core\/image","attrs":{"id":3740,"sizeSlug":"large","linkDestination":"none"},"innerBlocks":[],"innerHTML":"\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-129-1024x693.png\" alt=\"\" class=\"wp-image-3740\"\/><\/figure>\n","innerContent":["\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-129-1024x693.png\" alt=\"\" class=\"wp-image-3740\"\/><\/figure>\n"]}],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:50%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:50%\">",null,"<\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]}],"innerHTML":"\n<div class=\"wp-block-columns\">\n\n\n\n<\/div>\n","innerContent":["\n<div class=\"wp-block-columns\">",null,"\n\n",null,"\n\n",null,"<\/div>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":3},"innerBlocks":[],"innerHTML":"\n<h3 class=\"wp-block-heading\" id=\"h-how-does-smbx-work\"><strong>How does SMBX work?<\/strong><\/h3>\n","innerContent":["\n<h3 class=\"wp-block-heading\" id=\"h-how-does-smbx-work\"><strong>How does SMBX work?<\/strong><\/h3>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>1.&nbsp;<strong>SMBX analyzes each business\u2019s operating history.&nbsp;<\/strong>Before SMBX lists a business, SMBX first analyzes its operating history to ensure it\u2019s profitable. SMBX\u2019s underwriting team only qualifies businesses that meet their criteria for risk. SMBX considers factors such as how aggressive the company is with financing its growth, its current cash flow, management tenure, financial trends, and more.<\/p>\n","innerContent":["\n<p>1.&nbsp;<strong>SMBX analyzes each business\u2019s operating history.&nbsp;<\/strong>Before SMBX lists a business, SMBX first analyzes its operating history to ensure it\u2019s profitable. SMBX\u2019s underwriting team only qualifies businesses that meet their criteria for risk. SMBX considers factors such as how aggressive the company is with financing its growth, its current cash flow, management tenure, financial trends, and more.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>2.&nbsp;<strong>SMBX lists available offerings.&nbsp;<\/strong>SMBX then lists all businesses that meet its minimum criteria on the platform. Here, you can see the remaining time available to invest, how much each company has raised, and the expected yield. There\u2019s detailed information about the business, including its story and how it intends to use your funding. You'll also find relevant financial documents, including the bond prospectus and the issuer\u2019s financial information.&nbsp;<\/p>\n","innerContent":["\n<p>2.&nbsp;<strong>SMBX lists available offerings.&nbsp;<\/strong>SMBX then lists all businesses that meet its minimum criteria on the platform. Here, you can see the remaining time available to invest, how much each company has raised, and the expected yield. There\u2019s detailed information about the business, including its story and how it intends to use your funding. You'll also find relevant financial documents, including the bond prospectus and the issuer\u2019s financial information.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>3.&nbsp;<strong>Invest in your favorite businesses.&nbsp;<\/strong>You may place bond orders on any offers listed on the Marketplace. Investor funds are housed in an escrow account managed by North Capital Private Securities until the close of the bond offering. Once fully funded, the business receives the money and the bonds are issued to investors.<\/p>\n","innerContent":["\n<p>3.&nbsp;<strong>Invest in your favorite businesses.&nbsp;<\/strong>You may place bond orders on any offers listed on the Marketplace. Investor funds are housed in an escrow account managed by North Capital Private Securities until the close of the bond offering. Once fully funded, the business receives the money and the bonds are issued to investors.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>After the investors have received their bonds, the business will begin its monthly repayments one month after the bonds have been allocated.&nbsp;<\/p>\n","innerContent":["\n<p>After the investors have received their bonds, the business will begin its monthly repayments one month after the bonds have been allocated.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Note: You cannot resell or transfer your bonds for one year from the date of issue.<\/p>\n","innerContent":["\n<p>Note: You cannot resell or transfer your bonds for one year from the date of issue.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":3},"innerBlocks":[],"innerHTML":"\n<h3 class=\"wp-block-heading\" id=\"h-who-can-invest-with-smbx\"><strong>Who can invest with SMBX?<\/strong><\/h3>\n","innerContent":["\n<h3 class=\"wp-block-heading\" id=\"h-who-can-invest-with-smbx\"><strong>Who can invest with SMBX?<\/strong><\/h3>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>SMBX allows anyone with a US bank account and\/or credit card or debit card and a minimum investment of $10 to invest. You do not have to be an&nbsp;accredited investor&nbsp;to invest with SMBX but there are some investment limits set by the SEC that must be followed.&nbsp;<\/p>\n","innerContent":["\n<p>SMBX allows anyone with a US bank account and\/or credit card or debit card and a minimum investment of $10 to invest. You do not have to be an&nbsp;accredited investor&nbsp;to invest with SMBX but there are some investment limits set by the SEC that must be followed.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/list","attrs":[],"innerBlocks":[{"blockName":"core\/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n<li>If an investor\u2019s income or net worth is less than $107,000 then their total investment limit is the greater of $2,200 or 5% of their annual income or net worth.<\/li>\n","innerContent":["\n<li>If an investor\u2019s income or net worth is less than $107,000 then their total investment limit is the greater of $2,200 or 5% of their annual income or net worth.<\/li>\n"]},{"blockName":"core\/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n<li>If an investor\u2019s annual income and net worth is $107,000 or more then their total investment limit is 10% of the greater of their annual income or net worth.&nbsp;<\/li>\n","innerContent":["\n<li>If an investor\u2019s annual income and net worth is $107,000 or more then their total investment limit is 10% of the greater of their annual income or net worth.&nbsp;<\/li>\n"]}],"innerHTML":"\n<ul class=\"wp-block-list\">\n\n<\/ul>\n","innerContent":["\n<ul class=\"wp-block-list\">",null,"\n\n",null,"<\/ul>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Bottom line: as a non-accredited investor, the total amount that can be invested per year can not exceed $107,000.&nbsp;<\/p>\n","innerContent":["\n<p>Bottom line: as a non-accredited investor, the total amount that can be invested per year can not exceed $107,000.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>There are no investment limits set for accredited investors.<\/p>\n","innerContent":["\n<p>There are no investment limits set for accredited investors.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"whereGetsItRight\">Where SMBX gets it right<\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"whereGetsItRight\">Where SMBX gets it right<\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p><strong>No fees<\/strong><\/p>\n","innerContent":["\n<p><strong>No fees<\/strong><\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>SMBX investors pay no fees. Investing with SMBX is totally free when you use your bank account to make a purchase. Instead of charging investors fees, SMBX makes its money by charging businesses a 3.5% service fee on the total fundraise, if it is successful. For instance, if a business manages to raise $100,000, SMBX will charge $3,500 at the close of the offering.&nbsp;<\/p>\n","innerContent":["\n<p>SMBX investors pay no fees. Investing with SMBX is totally free when you use your bank account to make a purchase. Instead of charging investors fees, SMBX makes its money by charging businesses a 3.5% service fee on the total fundraise, if it is successful. For instance, if a business manages to raise $100,000, SMBX will charge $3,500 at the close of the offering.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p><strong>Low minimum investment&nbsp;<\/strong><\/p>\n","innerContent":["\n<p><strong>Low minimum investment&nbsp;<\/strong><\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>SMBX allows investors to get started for as little as $10. This is a low barrier to entry allowing those with a relatively small amount of investment money to start investing in a more alternative platform. SMBX also allows both accredited and non-accredited investors to participate, however there are maximum investment limits for non-accredited investors.&nbsp;&nbsp;<\/p>\n","innerContent":["\n<p>SMBX allows investors to get started for as little as $10. This is a low barrier to entry allowing those with a relatively small amount of investment money to start investing in a more alternative platform. SMBX also allows both accredited and non-accredited investors to participate, however there are maximum investment limits for non-accredited investors.&nbsp;&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p><strong>Community impact&nbsp;<\/strong><\/p>\n","innerContent":["\n<p><strong>Community impact&nbsp;<\/strong><\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>SMBX gives investors the opportunity to invest in the local small businesses that they love. It\u2019s kind of a win-win situation when you get to invest in your community and make a passive income while you do it.<\/p>\n","innerContent":["\n<p>SMBX gives investors the opportunity to invest in the local small businesses that they love. It\u2019s kind of a win-win situation when you get to invest in your community and make a passive income while you do it.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"whereCouldDoBetter\">Where SMBX could do better<\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"whereCouldDoBetter\">Where SMBX could do better<\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p><strong>Liquidity&nbsp;<\/strong><\/p>\n","innerContent":["\n<p><strong>Liquidity&nbsp;<\/strong><\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Bonds purchased through SMBX can't be resold or transferred for a one-year period from the date they are issued (with some exceptions). Even after one year, there is no guarantee that there will be liquidity for the bonds. As a result, investors should carefully consider the risk of investing with SMBX before moving forward.&nbsp;<\/p>\n","innerContent":["\n<p>Bonds purchased through SMBX can't be resold or transferred for a one-year period from the date they are issued (with some exceptions). Even after one year, there is no guarantee that there will be liquidity for the bonds. As a result, investors should carefully consider the risk of investing with SMBX before moving forward.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p><strong>Not all bonds are secured&nbsp;<\/strong><\/p>\n","innerContent":["\n<p><strong>Not all bonds are secured&nbsp;<\/strong><\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>While some of SMBX\u2019s bonds are secured, others are unsecured. As an investor, an unsecured bond adds an additional layer of risk. This is just another thing to be aware of. Be sure to carefully review the prospectus of the company you are considering investing in.&nbsp;<\/p>\n","innerContent":["\n<p>While some of SMBX\u2019s bonds are secured, others are unsecured. As an investor, an unsecured bond adds an additional layer of risk. This is just another thing to be aware of. Be sure to carefully review the prospectus of the company you are considering investing in.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p><strong>Relatively short history&nbsp;<\/strong><\/p>\n","innerContent":["\n<p><strong>Relatively short history&nbsp;<\/strong><\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>SMBX was founded in 2018, it doesn\u2019t have a super long history. This isn\u2019t necessarily a reason to not invest with SMBX, it\u2019s just something to consider.<\/p>\n","innerContent":["\n<p>SMBX was founded in 2018, it doesn\u2019t have a super long history. This isn\u2019t necessarily a reason to not invest with SMBX, it\u2019s just something to consider.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"canYouReallyMakeMoneyOn\">Can you really make money on SMBX?<\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"canYouReallyMakeMoneyOn\">Can you really make money on SMBX?<\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>According to SMBX, you can earn up to 9% interest by purchasing Small Business Bonds\u2122 in $10 increments. You can think of a bond like a loan. However, instead of having to borrow from a bank, small businesses borrow from investors like you. As an example, let\u2019s say you invest $2,000 and earn a 9% yield rate. You can earn $98.84 in passive income in a year or $492 in five years. If you invest $5,000 at 9%, that\u2019s $245.50 in passive income in a year or $1,337.51 in five years.<\/p>\n","innerContent":["\n<p>According to SMBX, you can earn up to 9% interest by purchasing Small Business Bonds\u2122 in $10 increments. You can think of a bond like a loan. However, instead of having to borrow from a bank, small businesses borrow from investors like you. As an example, let\u2019s say you invest $2,000 and earn a 9% yield rate. You can earn $98.84 in passive income in a year or $492 in five years. If you invest $5,000 at 9%, that\u2019s $245.50 in passive income in a year or $1,337.51 in five years.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/columns","attrs":[],"innerBlocks":[{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"50%"},"innerBlocks":[{"blockName":"core\/image","attrs":{"id":3741,"sizeSlug":"large","linkDestination":"none"},"innerBlocks":[],"innerHTML":"\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-130-1024x683.png\" alt=\"\" class=\"wp-image-3741\"\/><\/figure>\n","innerContent":["\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-130-1024x683.png\" alt=\"\" class=\"wp-image-3741\"\/><\/figure>\n"]}],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:50%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:50%\">",null,"<\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]}],"innerHTML":"\n<div class=\"wp-block-columns\">\n\n\n\n<\/div>\n","innerContent":["\n<div class=\"wp-block-columns\">",null,"\n\n",null,"\n\n",null,"<\/div>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":3},"innerBlocks":[],"innerHTML":"\n<h3 class=\"wp-block-heading\" id=\"h-how-do-i-make-money-with-smbx-nbsp\"><strong>How do I make money with SMBX?&nbsp;<\/strong><\/h3>\n","innerContent":["\n<h3 class=\"wp-block-heading\" id=\"h-how-do-i-make-money-with-smbx-nbsp\"><strong>How do I make money with SMBX?&nbsp;<\/strong><\/h3>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>You earn money through monthly principal and interest payments. However, you will only receive your full principal and interest payments on an investment bond if:&nbsp;<\/p>\n","innerContent":["\n<p>You earn money through monthly principal and interest payments. However, you will only receive your full principal and interest payments on an investment bond if:&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/list","attrs":[],"innerBlocks":[{"blockName":"core\/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n<li>The offering successfully closes and you are allocated the bond(s)<\/li>\n","innerContent":["\n<li>The offering successfully closes and you are allocated the bond(s)<\/li>\n"]},{"blockName":"core\/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n<li>You hold the bond until maturity<\/li>\n","innerContent":["\n<li>You hold the bond until maturity<\/li>\n"]},{"blockName":"core\/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n<li>The issuer (the small or medium-sized business) makes payments on the bond maturity without default&nbsp;<\/li>\n","innerContent":["\n<li>The issuer (the small or medium-sized business) makes payments on the bond maturity without default&nbsp;<\/li>\n"]}],"innerHTML":"\n<ul class=\"wp-block-list\">\n\n\n\n<\/ul>\n","innerContent":["\n<ul class=\"wp-block-list\">",null,"\n\n",null,"\n\n",null,"<\/ul>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":3},"innerBlocks":[],"innerHTML":"\n<h3 class=\"wp-block-heading\"><strong>How do I cash out with SMBX?<\/strong><\/h3>\n","innerContent":["\n<h3 class=\"wp-block-heading\"><strong>How do I cash out with SMBX?<\/strong><\/h3>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>You can make withdrawals on your principal returned and interest returned through your online profile in the SMBX Investment Center. The minimum withdrawal amount is set at $10 per transfer and withdrawals can only be made to a US bank account via ACH (automated clearing house). The processing time for ACH funds can take 3 to 5 business days.&nbsp;<\/p>\n","innerContent":["\n<p>You can make withdrawals on your principal returned and interest returned through your online profile in the SMBX Investment Center. The minimum withdrawal amount is set at $10 per transfer and withdrawals can only be made to a US bank account via ACH (automated clearing house). The processing time for ACH funds can take 3 to 5 business days.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":3},"innerBlocks":[],"innerHTML":"\n<h3 class=\"wp-block-heading\"><strong>SMBX vs traditional investing&nbsp;<\/strong><\/h3>\n","innerContent":["\n<h3 class=\"wp-block-heading\"><strong>SMBX vs traditional investing&nbsp;<\/strong><\/h3>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Purchasing SMBX bonds can be a good way to diversify your portfolio. Instead of investing in companies on the S&amp;P 500, you can fund companies that you care about in your local community.&nbsp;&nbsp;<\/p>\n","innerContent":["\n<p>Purchasing SMBX bonds can be a good way to diversify your portfolio. Instead of investing in companies on the S&amp;P 500, you can fund companies that you care about in your local community.&nbsp;&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>When you buy a traditional investment such as a stock, you essentially own a proportional share of a company. When you invest with SMBX, you are investing in bonds. Bonds are debt investments. So, instead of owning a proportional piece of the company, the company owes you for investing.&nbsp;<\/p>\n","innerContent":["\n<p>When you buy a traditional investment such as a stock, you essentially own a proportional share of a company. When you invest with SMBX, you are investing in bonds. Bonds are debt investments. So, instead of owning a proportional piece of the company, the company owes you for investing.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>When you invest your money in a stock, you don\u2019t know how much money you are going to make or lose. However, when you invest in a Small Business Bond using SMBX, the bond has a fixed interest rate and a set payback period. This doesn\u2019t mean an SMBX bond is risk-free\u2014it is not. But it does mean that you know what to expect from your investment. Unlike traditional bonds which generally pay in the 5% to 6% range, SMBX bonds can pay up to 9%. Additionally. Unlike many bonds which pay the principal back at the end of the term, SMBX Small Business Bonds pay out principal and interest monthly.&nbsp;&nbsp;<\/p>\n","innerContent":["\n<p>When you invest your money in a stock, you don\u2019t know how much money you are going to make or lose. However, when you invest in a Small Business Bond using SMBX, the bond has a fixed interest rate and a set payback period. This doesn\u2019t mean an SMBX bond is risk-free\u2014it is not. But it does mean that you know what to expect from your investment. Unlike traditional bonds which generally pay in the 5% to 6% range, SMBX bonds can pay up to 9%. Additionally. Unlike many bonds which pay the principal back at the end of the term, SMBX Small Business Bonds pay out principal and interest monthly.&nbsp;&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>As with any type of investment, it\u2019s important that you understand the risks and benefits associated. When investing in an SMBX bond, you can heed similar advice to when you invest in an individual stock or crypto\u2014only invest what you can afford to lose.<\/p>\n","innerContent":["\n<p>As with any type of investment, it\u2019s important that you understand the risks and benefits associated. When investing in an SMBX bond, you can heed similar advice to when you invest in an individual stock or crypto\u2014only invest what you can afford to lose.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/columns","attrs":[],"innerBlocks":[{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"50%"},"innerBlocks":[{"blockName":"core\/image","attrs":{"id":3742,"sizeSlug":"large","linkDestination":"none"},"innerBlocks":[],"innerHTML":"\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-131-1024x693.png\" alt=\"\" class=\"wp-image-3742\"\/><\/figure>\n","innerContent":["\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-131-1024x693.png\" alt=\"\" class=\"wp-image-3742\"\/><\/figure>\n"]}],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:50%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:50%\">",null,"<\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]}],"innerHTML":"\n<div class=\"wp-block-columns\">\n\n\n\n<\/div>\n","innerContent":["\n<div class=\"wp-block-columns\">",null,"\n\n",null,"\n\n",null,"<\/div>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"h-what-other-people-are-saying-about-smbx\">What other people are saying about SMBX<\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"h-what-other-people-are-saying-about-smbx\">What other people are saying about SMBX<\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>There are a number of small business owners who are excited to share their bond offerings from SMBX on social media. The business owners share details about their small business and what they want to do with the funding they receive through SMBX.<\/p>\n","innerContent":["\n<p>There are a number of small business owners who are excited to share their bond offerings from SMBX on social media. The business owners share details about their small business and what they want to do with the funding they receive through SMBX.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/columns","attrs":[],"innerBlocks":[{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"50%"},"innerBlocks":[{"blockName":"core\/image","attrs":{"id":3743,"sizeSlug":"full","linkDestination":"none"},"innerBlocks":[],"innerHTML":"\n<figure class=\"wp-block-image size-full\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-132.png\" alt=\"\" class=\"wp-image-3743\"\/><\/figure>\n","innerContent":["\n<figure class=\"wp-block-image size-full\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-132.png\" alt=\"\" class=\"wp-image-3743\"\/><\/figure>\n"]}],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:50%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:50%\">",null,"<\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]}],"innerHTML":"\n<div class=\"wp-block-columns\">\n\n\n\n<\/div>\n","innerContent":["\n<div class=\"wp-block-columns\">",null,"\n\n",null,"\n\n",null,"<\/div>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Some business owners use their social media to reach out for support in an effort to meet their funding goals through SMBX.<\/p>\n","innerContent":["\n<p>Some business owners use their social media to reach out for support in an effort to meet their funding goals through SMBX.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/columns","attrs":[],"innerBlocks":[{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"50%"},"innerBlocks":[{"blockName":"core\/image","attrs":{"id":3744,"sizeSlug":"full","linkDestination":"none"},"innerBlocks":[],"innerHTML":"\n<figure class=\"wp-block-image size-full\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-133.png\" alt=\"\" class=\"wp-image-3744\"\/><\/figure>\n","innerContent":["\n<figure class=\"wp-block-image size-full\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-133.png\" alt=\"\" class=\"wp-image-3744\"\/><\/figure>\n"]}],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:50%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:50%\">",null,"<\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]}],"innerHTML":"\n<div class=\"wp-block-columns\">\n\n\n\n<\/div>\n","innerContent":["\n<div class=\"wp-block-columns\">",null,"\n\n",null,"\n\n",null,"<\/div>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"h-are-there-other-apps-like-smbx\">Are there other apps like SMBX?<\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"h-are-there-other-apps-like-smbx\">Are there other apps like SMBX?<\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Other investment platforms that allow you to invest in small businesses while earning passive income and paying 0% in fees include MyConstant and&nbsp;<a href=\"https:\/\/moneymade.io\/discover\/worthy\"><u>Worthy<\/u><\/a>.<\/p>\n","innerContent":["\n<p>Other investment platforms that allow you to invest in small businesses while earning passive income and paying 0% in fees include MyConstant and&nbsp;<a href=\"https:\/\/moneymade.io\/discover\/worthy\"><u>Worthy<\/u><\/a>.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Similar to SMBX, MyConstant connects everyday investors and borrowers. However, MyConstant provides secured loans while SMBX offers Small Business Bonds. MyConstant requires borrowers to put up collateral so if they default on their loan, their collateral is sold and the investor receives their money back. This is not always the case with SMBX\u2014some loans may be backed by collateral while others may not.&nbsp;&nbsp;<\/p>\n","innerContent":["\n<p>Similar to SMBX, MyConstant connects everyday investors and borrowers. However, MyConstant provides secured loans while SMBX offers Small Business Bonds. MyConstant requires borrowers to put up collateral so if they default on their loan, their collateral is sold and the investor receives their money back. This is not always the case with SMBX\u2014some loans may be backed by collateral while others may not.&nbsp;&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Both SMBX and MyConstant provide a similar range of earnings. With SMBX you can earn up to 9%, and with MyConstant you can earn between 4% to 9%, depending on the type of investment product you choose.&nbsp;<\/p>\n","innerContent":["\n<p>Both SMBX and MyConstant provide a similar range of earnings. With SMBX you can earn up to 9%, and with MyConstant you can earn between 4% to 9%, depending on the type of investment product you choose.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>With Worthy, you can invest in 5% interest-earning bonds. Bonds are backed by collateral such as inventory and account receivables to secure the funds. Similar to SMBX, Worthy connects everyday lenders to small businesses. Similar to SMBX, investors can get started with a low minimum payment of $10 and receive a fixed return. However, the maximum you can earn with Worthy is 5%, with SMBX you have the potential to earn up to 9%.<\/p>\n","innerContent":["\n<p>With Worthy, you can invest in 5% interest-earning bonds. Bonds are backed by collateral such as inventory and account receivables to secure the funds. Similar to SMBX, Worthy connects everyday lenders to small businesses. Similar to SMBX, investors can get started with a low minimum payment of $10 and receive a fixed return. However, the maximum you can earn with Worthy is 5%, with SMBX you have the potential to earn up to 9%.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"ourHotTakeOn\">Our hot take on SMBX<\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"ourHotTakeOn\">Our hot take on SMBX<\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>SMBX provides a great opportunity for everyday investors to lend to local businesses in their community and make passive income. SMBX is incredibly accessible as it\u2019s open to both accredited and unaccredited investors and only requires a minimum investment of $10. There are also no fees.&nbsp;<\/p>\n","innerContent":["\n<p>SMBX provides a great opportunity for everyday investors to lend to local businesses in their community and make passive income. SMBX is incredibly accessible as it\u2019s open to both accredited and unaccredited investors and only requires a minimum investment of $10. There are also no fees.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>As with an investment opportunity, when you invest in SMBX Small Business Bonds you are taking on a certain amount of risk. It\u2019s possible the business you invest in may buckle and be unable to repay your investment. Be sure to carefully review the prospectus of the company you are considering investing in.<\/p>\n","innerContent":["\n<p>As with an investment opportunity, when you invest in SMBX Small Business Bonds you are taking on a certain amount of risk. It\u2019s possible the business you invest in may buckle and be unable to repay your investment. Be sure to carefully review the prospectus of the company you are considering investing in.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":3},"innerBlocks":[],"innerHTML":"\n<h3 class=\"wp-block-heading\" id=\"howDoISignUpFor\">I\u2019m in! How do I sign up for SMBX?<\/h3>\n","innerContent":["\n<h3 class=\"wp-block-heading\" id=\"howDoISignUpFor\">I\u2019m in! How do I sign up for SMBX?<\/h3>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":4},"innerBlocks":[],"innerHTML":"\n<h4 class=\"wp-block-heading\">1.&nbsp;Join MoneyMade (for free)<\/h4>\n","innerContent":["\n<h4 class=\"wp-block-heading\">1.&nbsp;Join MoneyMade (for free)<\/h4>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Sign up for a MoneyMade account so you can track and manage all of your online investments in one convenient place.<\/p>\n","innerContent":["\n<p>Sign up for a MoneyMade account so you can track and manage all of your online investments in one convenient place.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":4},"innerBlocks":[],"innerHTML":"\n<h4 class=\"wp-block-heading\">2.&nbsp;Sign up on SMBX<\/h4>\n","innerContent":["\n<h4 class=\"wp-block-heading\">2.&nbsp;Sign up on SMBX<\/h4>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Head to the SMBX website and click on the yellow \u201csign up\u201d button or the \u201cstart investing\u201d button to create your account.<\/p>\n","innerContent":["\n<p>Head to the SMBX website and click on the yellow \u201csign up\u201d button or the \u201cstart investing\u201d button to create your account.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":4},"innerBlocks":[],"innerHTML":"\n<h4 class=\"wp-block-heading\">3.&nbsp;Select the type of account<\/h4>\n","innerContent":["\n<h4 class=\"wp-block-heading\">3.&nbsp;Select the type of account<\/h4>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>You will be prompted to choose the type of account you want to create\u2014an individual account for personal use or an organization account for a company or institutional investing.<\/p>\n","innerContent":["\n<p>You will be prompted to choose the type of account you want to create\u2014an individual account for personal use or an organization account for a company or institutional investing.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":4},"innerBlocks":[],"innerHTML":"\n<h4 class=\"wp-block-heading\">4.&nbsp;Add personal details<\/h4>\n","innerContent":["\n<h4 class=\"wp-block-heading\">4.&nbsp;Add personal details<\/h4>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>You will be promoted to add personal details including your name and email address.<\/p>\n","innerContent":["\n<p>You will be promoted to add personal details including your name and email address.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":4},"innerBlocks":[],"innerHTML":"\n<h4 class=\"wp-block-heading\">5.&nbsp;Confirm your email<\/h4>\n","innerContent":["\n<h4 class=\"wp-block-heading\">5.&nbsp;Confirm your email<\/h4>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>You will receive an email to confirm your account which includes information on investor education and SMBX compensation.<\/p>\n","innerContent":["\n<p>You will receive an email to confirm your account which includes information on investor education and SMBX compensation.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":4},"innerBlocks":[],"innerHTML":"\n<h4 class=\"wp-block-heading\">6.&nbsp;Complete your investor profile<\/h4>\n","innerContent":["\n<h4 class=\"wp-block-heading\">6.&nbsp;Complete your investor profile<\/h4>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>You will be asked for additional details including your Social Security Number, and you will have to upload a piece of photo ID to verify your identity.<\/p>\n","innerContent":["\n<p>You will be asked for additional details including your Social Security Number, and you will have to upload a piece of photo ID to verify your identity.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":4},"innerBlocks":[],"innerHTML":"\n<h4 class=\"wp-block-heading\">7.&nbsp;Calculate investment limit<\/h4>\n","innerContent":["\n<h4 class=\"wp-block-heading\">7.&nbsp;Calculate investment limit<\/h4>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Next, SMBX needs to calculate your investment limit. To do so, you need to include your estimated annual income, net worth, whether you\u2019re an accredited investor, and how much you\u2019ve invested in crowdfunding offerings over the last 12 months.<\/p>\n","innerContent":["\n<p>Next, SMBX needs to calculate your investment limit. To do so, you need to include your estimated annual income, net worth, whether you\u2019re an accredited investor, and how much you\u2019ve invested in crowdfunding offerings over the last 12 months.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":4},"innerBlocks":[],"innerHTML":"\n<h4 class=\"wp-block-heading\">8.&nbsp;Disclosures<\/h4>\n","innerContent":["\n<h4 class=\"wp-block-heading\">8.&nbsp;Disclosures<\/h4>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>There are some disclosures that must be completed before you can progress.<\/p>\n","innerContent":["\n<p>There are some disclosures that must be completed before you can progress.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":4},"innerBlocks":[],"innerHTML":"\n<h4 class=\"wp-block-heading\">9.&nbsp;Link your bank or credit card<\/h4>\n","innerContent":["\n<h4 class=\"wp-block-heading\">9.&nbsp;Link your bank or credit card<\/h4>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>The last thing you need to do before you can start investing is link your bank account or credit card. SMBX uses Plaid (a payment processor), so connecting your account is as easy as possible.<\/p>\n","innerContent":["\n<p>The last thing you need to do before you can start investing is link your bank account or credit card. SMBX uses Plaid (a payment processor), so connecting your account is as easy as possible.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":4},"innerBlocks":[],"innerHTML":"\n<h4 class=\"wp-block-heading\">10.&nbsp;Start investing<\/h4>\n","innerContent":["\n<h4 class=\"wp-block-heading\">10.&nbsp;Start investing<\/h4>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>You\u2019re now free to invest in the various opportunities SMBX has on offer. Each offering lists the name of the company, the bond offering, interest rate, term, company location, and the number of days left to invest. Click on each bond offering to find additional details on the company and how they will use the money you invest.<\/p>\n","innerContent":["\n<p>You\u2019re now free to invest in the various opportunities SMBX has on offer. Each offering lists the name of the company, the bond offering, interest rate, term, company location, and the number of days left to invest. Click on each bond offering to find additional details on the company and how they will use the money you invest.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"acf\/accordion","attrs":{"name":"acf\/accordion","data":{"accordion_section_title":"FAQs","_accordion_section_title":"field_5f32a62824764","hide_faq_schema":"0","_hide_faq_schema":"field_663bca3331aee","accordion_0_default_to_open":"0","_accordion_0_default_to_open":"field_654e4a8b73ed0","accordion_0_accordion_title":"How does SMBX work?","_accordion_0_accordion_title":"field_5f32a68324766","accordion_0_accordion_content":"The SMBX Small Business Bond\u2122 is similar to a loan. But instead of companies borrowing funds from a bank, they can borrow from everyday investors. Anyone with a US-based bank account can invest and receive monthly principal and interest payments. Minimum investments start at $10 and there are no fees to invest.","_accordion_0_accordion_content":"field_5f32a6b424767","accordion_1_default_to_open":"0","_accordion_1_default_to_open":"field_654e4a8b73ed0","accordion_1_accordion_title":"Can small businesses issue bonds?","_accordion_1_accordion_title":"field_5f32a68324766","accordion_1_accordion_content":"The Small Business Bond\u2122 provides a way for small and medium-sized businesses to raise capital. The SMBX connects businesses with everyday investors. In the past, only governments and large corporations were able to raise capital by issuing bonds.","_accordion_1_accordion_content":"field_5f32a6b424767","accordion_2_default_to_open":"0","_accordion_2_default_to_open":"field_654e4a8b73ed0","accordion_2_accordion_title":"What is a small business bond?","_accordion_2_accordion_title":"field_5f32a68324766","accordion_2_accordion_content":"<div class=\"FaqBlock_FaqBlock__DS2Fl\">\r\n<section class=\"mu-container Container-module_Container__p2WRR FaqBlock_Container__GGTHp\">\r\n<div class=\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\">\r\n<p class=\"mu-p1 FontGenerator-module_Font__-qoUg FontGenerator-module_Light__sW-hU \">The SMBX Small Business Bond\u2122 is a debt-based financial asset. Using an SMBX bond, an investor loans money to a small or medium-sized business in exchange for the business\u2019s promise to repay the borrowed money plus interest.<\/p>\r\n\r\n<\/div>\r\n<\/section><\/div>","_accordion_2_accordion_content":"field_5f32a6b424767","accordion":3,"_accordion":"field_5f32a64724765"},"mode":"preview"},"innerBlocks":[],"innerHTML":"","innerContent":[]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p><\/p>\n","innerContent":["\n<p><\/p>\n"]}],"_links":{"self":[{"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/posts\/3728","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/comments?post=3728"}],"version-history":[{"count":0,"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/posts\/3728\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/media\/3733"}],"wp:attachment":[{"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/media?parent=3728"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/categories?post=3728"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/tags?post=3728"},{"taxonomy":"post_authors","embeddable":true,"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/post_authors?post=3728"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}