smart funding solutions

Welcome to Smart Funding Solutions, where we believe that everyone deserves a second chance at financial freedom. Specializing in credit repair, we are dedicated to helping you rebuild your creditworthiness and regain control of your financial future. Our team of experienced professionals understands the complexities of credit reporting and the impact it can have on your life. With personalized strategies tailored to your unique situation, we work diligently to identify inaccuracies and negotiate with creditors on your behalf. At Smart Funding Solutions, we pride ourselves on transparency and integrity, ensuring that you are informed every step of the way. Our comprehensive approach not only focuses on correcting errors but also educates our clients on responsible credit management practices. You'll find that our supportive team is committed to helping you understand your credit score and how to improve it. Whether you're looking to qualify for a mortgage, secure a loan, or simply build a better financial foundation, we're here to assist you. Join us at Smart Funding Solutions, and let us guide you towards a brighter financial future with confidence and expertise. Together, we can transform your credit situation and unlock new opportunities for growth and success!

Smart Funding Solutions

Turn rent payments into home ownership
Buy a house while we fix your credit – not after it’s fixed
Private Funding / No Credit Check / No Appraisal Fees

States we can serve (many more coming soon)
Arizona, Colorado, Georgia, N Carolina, Tennessee, Texas

Sidelia Logo Sidelia Logo

Se Habla Espanol

904-464-8176

INVESTORS:

Fix N Flips
Bridge Loans
3 Day Close!


Investors

Turned Down For a Mortgage?

We Can Owner Finance
Your Purchase.

  1. We Pre-Qualify You
  2. You Find the Home
  3. We Purchase & Close
  4. We Owner Finance To YOU!

NO CREDIT CHECK

CONTACT US FOR INFO

904-464-8176

WE ALSO SERVE INVESTORS, FOR FIX ‘N FLIPS AND BRIDGE LOANS (Close as soon as 3 days!)

Your Path to Homeownership with Smart Funding Solutions

Owner Finance Program

At Smart Funding Solutions, we understand that financial setbacks can happen - even to responsible, hard-working people. Unfortunately, traditional lending often leaves little room for life’s challenges. With conventional financing, those setbacks can delay or prevent homeownership.

With private funding, the answer is different.

Our Owner Finance Program is designed to help qualified individuals secure a home even when traditional lenders say no. We specialize in private funding solutions and can typically close in less than one week, allowing you to move forward quickly and confidently.

How to Get Started:

  1. Schedule your complimentary 30-minute live “Introduction” meeting This online session provides a full overview of our program and answers your initial questions.
  2. Enroll in the program
    Once enrolled, we guide you through each step of the process.
  3. Begin shopping for your home
    You choose the property that fits your family’s needs.
  4. We handle all contracts and coordinate with title
    Our team manages the paperwork to ensure a smooth transaction.
  5. Close and owner-finance at the
    same closing No delays—everything is handled seamlessly.
  6. Make payments and enroll in our Mortgage Preparation Program
    Start building toward long-term financial stability and future refinancing opportunities.
  7. To schedule your free 30-minute Introduction meeting, PLEASE FILL OUT THE "CONTACT" FORM AT THE BOTTOM OF THIS PAGE. We’ll contact you to set the time. Or simply call or text to 904-464-8176 with your name, phone, email, and the state where you want to purchase your home.

We look forward to helping you begin your journey toward homeownership and providing a place your family can truly call home.

Smart Funding Solutions

Our Story

Smart Funding Solutions specializes in providing private funding tailored for Real Estate Investors and Owner-Occupied Consumers who do not qualify for a tradition loan.

We Fund on Fix ‘N Flips and Bridge Loans for properties. We pride ourselves on offering rapid funding solutions with up to 3-day closings, eliminating the need for credit checks and appraisals. We are dedicated to helping investors seize opportunities quickly.

Guide Book

Author: Sidney Young -Our Mentor & Business Associate

Contact us

Sidelia Logo

904-464-8176

4A Prosperity Ln
Palm Coast, FL 32164

© 2026 by SMART FUNDING SOLUTIONS (a Florida-registered business in good standing)

Services include:

At Smart Funding Solutions, we specialize in providing comprehensive credit repair services designed to help individuals regain financial stability and improve their credit scores. Our expert team works closely with clients to identify and dispute inaccuracies on credit reports, ensuring that their financial history reflects their true capability. We are committed to educating our clients about credit management and empowering them with the tools needed for a brighter financial future. With our personalized approach and proven strategies, we strive to make the credit repair process as seamless and effective as possible.

Gather And Analyze Your Information

• Gather information to verify identity 

• Soft pull credit file      

• Analyze to find inaccuracies, outdated and unverifiable entries     

• Review credit report errors

Build and Improve Your Credit

• Detailed action plan provided

• Simple pricing plan

• Immediate action on disputes with bureaus, creditors and companies

• Provide credit builder solutions

Mentor, Educate, & Coach For Credit Success

• Specialist is assigned to you

• Credit strategies outlined

• Education and monthly reports given in secure portal

• App provided to review credit reports

Lets Conquer Your Credit!

Clean your PAST

We work with the credit bureaus and your creditors to challenge the negative report items that affect your credit score.

Track your PRESENT

Easy access to your account 24/7 for live status updates on improvements on your credit reports and scores.​

Change your FUTURE

We’ll maximize your score so you can achieve your goals and educate you on how to maintain your awesome credit long after our work is done.​