How Smart Step Lending Works

Smart Step Lending provides fast, flexible business funding designed around your cash flow — not rigid loan structures. Instead of traditional loans, we offer a simple funding solution based on your business’s future revenue.

Meet Your Broker

Adam Koncurat, founder of Smart Step Lending, has over 13 years of experience in the real estate industry as a realtor and investor. With his extensive knowledge and expertise, he saw a need for a mortgage company that provided more than just loan options. He wanted to create a company that focused on helping borrowers understand their path, prepare for what matters, and feel confident moving forward. Thus, Smart Step Lending was born, providing a personalized and supportive experience for all clients.

Here’s how it works

Apply in Minutes

Complete a short application with minimal paperwork. Approval is based primarily on your business revenue, not just credit scores.

Quick Review & Approval

Our team reviews your recent bank deposits or sales activity to determine eligibility. Many businesses receive a decision the same day.

Receive Funds Fast

Once approved, funds are deposited directly into your business bank account — often within 24–48 hours.

Flexible Repayment Structure

Repayment is made through a small, agreed-upon percentage of your daily or weekly business receipts. When sales are slower, payments adjust accordingly.

No Fixed Monthly Payments

Because payments are tied to revenue, there’s no pressure from fixed due dates or traditional loan schedules.

Use Funds for Any Business Purpose

Capital can be used for inventory, payroll, equipment, expansion, marketing, or unexpected expenses.

A guided mortgage experience with clarity at every stage.

1. Learn Your Starting Point

We begin with a conversation, not assumptions. We clarify goals, timelines, and eligibility so you know what is realistic before taking action.

2. Explore Loan Options

Through Morty’s platform, you can review loan programs from a broad network of lenders. You receive guidance to understand options, requirements, and documentation early.

3. Prepare for Underwriting

We help you understand what lenders look for, what documents are needed, and why each step matters. Preparation reduces stress and strengthens your position.

4. Move Forward With Confidence

Once you decide to proceed, processing and closing coordination help keep the file organized. Communication stays clear so you always know what to expect next.

Smarter Lending Starts With Our Mission

Smart Step Lending exists to give borrowers clarity, confidence, and guidance throughout the mortgage process. Our mission is to support homeowners and real estate investors with a lending experience built on personal communication, structured expectations, and access to a broad network of lenders and loan programs through Morty’s platform. We help people understand their options, prepare for underwriting, and make informed decisions that align with their goals and eligibility. We focus on preparation, clarity, and trust – the foundations that help borrowers move forward with confidence instead of confusion.

FAQ Section

Do you work with multiple lenders?

Yes. Through Morty’s platform, you can explore loan options from a broad network of lenders. Availability varies by eligibility, program requirements, and credit profile.

Can you guarantee a specific rate or approval?

No. Rates and approvals depend on underwriting, credit, documentation, market conditions, and lender guidelines. We provide guidance and clarity, not unrealistic promises.

Do you help real estate investors?

Yes. We work with both homeowners and real estate investors, where eligible, to explore available loan options and prepare for underwriting expectations.

Is this a fast or pressure-filled process?

No pressure. We do not rush decisions. Our goal is to help you understand the process so timing, offers, and next steps feel intentional rather than reactive.

Can I talk to someone before applying?

Yes. We are available for questions, expectations, and next-step clarity before you begin.

(303) 219-2321

12081 w Alameda Pkwy,#266 Lakewood, Colorado - 80228

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https://www.pre-app.loan/adamkoncurat-mortgage

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