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Why did I choose SMBX? 

When I first connected with SMBX, I had my reservations. I had never heard of anything like it before, and it felt a little… new. SMBX is a relatively new way for small businesses to borrow money directly from their communities instead of from a bank, the government, or a private investor.

It works similarly to a term loan: you pledge however much money you feel comfortable with. Our bond offering runs from April 23 to June 5. Around June 19, we receive the funds, and about 30 days later, we begin repaying you.

Each month, you'll get a direct deposit of the principal and interest.

• The interest rate is set at 10.25%.

• It’s a 60-month term loan.

They even have a slick little calculator so you can see how much you’ll earn in interest and what your monthly payments will look like.

I highly recommend signing up through the app. I personally invested $50 in another company on the platform just to see how it works. You see, I would never want to put you in a bad position—and I hate inefficiency.

 

Here are a few things I love about SMBX:

• It literally takes 10 minutes from start to finish. I recorded my screen while investing in one of their offerings—Atelier Restaurant—to see how easy it was as a new user. I was genuinely impressed. The process was smooth and stress-free.

• All you need is your ID and a debit card.

• You can invest as much as you want, whenever you want, during the offering period.

  • Got a paycheck and want to invest $50? Do it.

  • Sold that random thing in your yard on Facebook Marketplace and made $150? Toss it in.

  • Got $50,000 maturing in a CD next week? Let’s gooo!

(And if you’re like, “I’m in the mafia and I sell drugs…”—just kidding! I don’t want your dirty money… or do I? 😂)

Okay, okay. Stay focused, Michelle.

 

I’ve done my due diligence, and I genuinely align with how SMBX operates and what they offer.

• I’ve interviewed other business owners who’ve used the platform.

• I’ve had countless Zoom calls with their team.

• I’ve pushed the envelope on how I want to market, and they’ve guided me with care.

And it goes both ways—SMBX is picky about who they let on the platform.

• I’ve been interviewed and vetted.

• My financials were reviewed by a third-party CPA.

• They follow all government regulations and operate with integrity.

WIN – WIN – WIN:

• You earn interest and feel good investing in a small business.

• I don’t have to pay a bank or the government, or answer to a rich investor.

• We bring more rad spas into the world!

For as little as $10, you can call yourself an investor. But seriously—if everyone who’s visited my spa in the past three years pledged just $100, we’d have $3 million. That’s the power you hold.

I’m aiming to raise $500,000 for our flagship location. But unlike platforms like Kickstarter, this isn’t all-or-nothing. Whether I meet the goal or exceed it—it’s all forward momentum. Whatever comes in is what I’ll build with. And if it’s more than the goal? Even better.

I’m scrappy, determined, and creative. I’m passionate, dedicated, and all-in on this business. Since launching in September 2021, I’ve seen incredible growth—with zero dollars spent on marketing or ads. I will RUN with this new location.

I’m on a mission to get our flagship space launched and thriving, and I truly can’t wait to have you along for the ride.