SMBX 4+

Loosing it is value to investors

The app started great with some bonds return as much as 10% but over time they trended to offer lower returns of 6.5% to 7.5% on unsecured high risk bonds. This is make it less worth it specially when compared to publicly traded bonds that some of them offer as high as 12% and easier to liquidate. Hope they consider negotiating better deals in the future when they on board a business

Developer Response ,

Thank you for taking the time to share this feedback with us. It helps our team grow and understand what investors are looking for. If we may address your concerns on interest rates and how they've changed - the market rate to borrow capital is much lower right now, so we had to drop our rates because as a market, rates were slashed 150 basis points in early 2020. We followed suit because otherwise we would not have been able to compete with the SBA. This is one of many factors that our underwriting team takes into consideration when setting the interest rates for businesses on SMBX. We encourage you to check out the Learn section of the app to read FAQs on how we vet and qualify businesses based on a standardized criteria for risk.


At SMBX, our mission is to provide investors choice over where their money is invested. Our goal is to continue to expand our investment opportunities for you so you get to decide where your money is invested. We'd love to hear more about what you're looking for - please email us at support@thesmbx.com.

Works well so far

There are always several bonds to purchase now. All bonds look legit with ok return. No issue with the website/app and the customer service is not bad. I would recommend it to anyone who are interested in small business investment. It's one of the best platform I've used.

Awesome new way to invest

I’m always looking for opportunities to invest. Here we can invest confidently in local businesses that we patronize. App is simple to use and strait forward, looking for many new and interesting companies to help fund.