SMBX is a marketplace connecting everyday investors like you with small businesses to invest in. With SBMX, you invest in small business bonds that is like a loan, but instead of borrowing funds from a bank, a business borrows from everyday investors just like you. Once a Small Business Bond‚Ñ¢ offering successfully closes, investors are allocated Bonds that they've ordered. The business then begins making monthly payments starting one month after this. Each month, investors will get paid a portion of the principal (the amount they initially invested) plus interest, for the duration of the Bond. Investors receive full principal + interest if they hold their allocated Bonds for the duration until maturity and the business makes payments during this time without default.

Investing is free on SMBX with a linked bank account. If you choose to use a credit card rather than a bank account to invest, there is a 4% fee to process investments to cover costs passed on by credit card processors.

Investing in Reg CF securities includes financial risks, including loss of money invested.