# SMBX — Earn monthly passive income > Marketplace for small business bonds connecting investors and businesses for passive income. (iPhone/iPad app by SMBX, Inc..) - Source: https://appshunter.io/ios/app/smbx/id1471275113 (this page in markdown: same URL + `.md`) - Developer: [SMBX, Inc.](https://appshunter.io/developer/1171577812) - Category: Finance - Price: Free - Rating: 3.61/5 from 49 App Store ratings · 16 written reviews indexed - Age rating: 4+ - Requires: iOS 14.7 · 84 MB - Languages: English - Released: 2019-08-17 - Data updated: 2026-06-01 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/smbx/id1471275113/reviews.md ## What is SMBX? SMBX is a marketplace connecting everyday investors with successful small business owners. Through SMBX, eligible small businesses can apply to issue Small Business Bonds™ directly to local residents and investors. A Small Business Bond is like a loan, but instead of paying monthly principal and interest to a bank, small businesses pay it back to a community of investors. It’s community-based support that’s a win – win. SMBX brings investors and small businesses full transparency with investments you can see—close to home. Know where your dollars go, and how they’re spent by investing in what you love. Invest as little as $10 to join the financial revolution. Download now and tap into passive income with monthly payback. *Investing in Reg CF securities includes financial risks, including loss of money invested. ## Key features - Invest in small business bonds - Earn monthly passive income - Transparent investment tracking - Invest as little as $10 - Community-based investing ## Recent user reviews (10 of 16) All indexed reviews: https://appshunter.io/ios/app/smbx/id1471275113/reviews.md ### 2/5 — App works well so far *2025-05-09* But the high default rate is concerning. ### 2/5 — Only Works if Bonds are actually Paid *2024-12-10* The system only works when payments by the issuing entity are complete on time. When a bond payment is missed, it just says “pending” and each month it keeps doing that with little to no communication about the actual missed payment. Some companies have stopped paying years ago and it just says “pending” for each new monthly payment and I have heard nothing about it. ### 1/5 — Transfers take forever *2024-11-19* Beware…when you want to cash out earnings, they take forever to process the transfer. 12 days and still waiting for the transfer to be processed. ### 1/5 — Start-Ups take the money and run *2024-10-03* Lately, these start ups and small businesses have had high failure rates and I’m already projected to have lost money. SMBX doesn’t seem to inquire into the seriousness or commitment of the businesses that they partner with to offer bonds. Entrepreneurs take the money, operate for a few months, and then close everything while filing for bankruptcy. Bond holders are left with nothing and SMBX has yet to recover any funds through legal action or collections. ### 1/5 — App doesn’t work *2024-04-09* They were sharing banking information by email. I wouldn’t trust them to share financial info. ### 1/5 — Sold me “secured bond” *2023-11-20* One of their offerings was secured by inventory according to the prospectus. Now that bond has defaulted, is in bankruptcy and the indebted are calling it unsecured. Please just stick to Tbills for high interest. Tbill and chill! ### 1/5 — Bug on latest iOS version *2023-07-14* You have a bug on the signup flow on the latest iOS version - I can’t check all the boxes on the last page. There are like 4 or 5 boxes. I can scroll down to view them all when they are unchecked but as soon as I check two I can’t scroll down anymore. ### 1/5 — Bonds over subscribe *2023-05-12* Be prepared to have a lot of emails with their support team over a course of 30 days. App will say complete as if your $ is in the bonds when it isn’t. Confusing and will need to be fixed. Funds should auto refund if they cannot be invested within 10 days; not 30 and require you emailing support to figure out what’s going on. This was the response: Under the current regulatory framework, SMBX does not handle or hold investor money and cannot auto-refund investor's money without the issuer authorizing the release of funds held in the escrow account, which happens at allocation. Technology and other members of our operations team to see if there is an alternative way to disclose over-subscription. When this is fixed I’ll update my review. Right now; I wouldn’t put a lot of money in yet. ### 5/5 — Works well so far *2022-07-28* 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. ### 1/5 — App always crashes *2022-01-11* Love the idea but app always crashes when I try to upload my document images website is full of broken links too ## Frequently asked questions about SMBX ### Is SMBX safe to use? SMBX connects investors with small businesses through Small Business Bonds. Investing in Reg CF securities involves financial risks, including the potential loss of invested money. The app is rated for ages 4+ and is available on iPhone and iPod. ### How does SMBX work for investors? Investors can browse and invest in Small Business Bonds issued by eligible small businesses. These bonds function like loans where businesses pay back investors monthly, providing passive income. Investments can start as low as $10. ### What kind of businesses can I invest in with SMBX? SMBX focuses on connecting investors with successful small business owners. The platform allows for community-based support, enabling you to invest in businesses you care about and see where your dollars are spent. ### How often are updates released for SMBX? The latest version of SMBX, 2.29.1, was released on October 13, 2023. The app is updated regularly to improve functionality and user experience. ### What are the risks associated with investing in SMBX? Investing in Reg CF securities, such as Small Business Bonds, carries financial risks, including the potential loss of the money you invest. It's important to understand these risks before investing. ### Can I cancel my investment on SMBX? The provided information does not detail specific cancellation policies for investments made through SMBX. Investors should review the terms and conditions provided by the platform and the specific bond offering. ### What devices does SMBX support? SMBX is available on iPhone and iPod devices. It is designed for mobile users to access investment opportunities on the go. ### What is the user sentiment for SMBX? SMBX has an average rating of 3.6 stars from 49 ratings. This suggests a mixed user sentiment, with some users finding value in the platform while others may have encountered issues. ## Version history (last 5 releases) ### 2.29.1 — 2023-10-13 Minor bug fixes and performance improvements ### 2.29.0 — 2023-10-11 We've revised our password policy to meet the latest security standards, prompting users to create stronger and more resilient passwords. These changes bolster protection for your financial interactions and data. Thank you for prioritizing safety with us. We have also fixed an issue that prevented users for linking a bank account manually. ### 2.28.0 — 2023-09-22 We've enhanced security by adding a verification step for withdrawals and payment linkage, and updated our password policy. We've revised our password policy to meet the latest security standards, prompting users to create stronger and more resilient passwords. These changes bolster protection for your financial interactions and data. Thank you for prioritizing safety with us. ### 2.27.0 — 2023-05-23 Minor bug fixes and performance improvements. ### 2.26.0 — 2023-04-07 Minor bug fixes and performance improvements. ## Apps similar to SMBX | App | Rating | Price | Category | | --- | --- | --- | --- | | [Connect Invest Mobile](https://appshunter.io/ios/app/connect-invest-mobile/id6479994692) | 5.0 (4) | Free | Finance | | [EquityZen](https://appshunter.io/ios/app/equityzen/id1472464984) | 4.0 (84) | Free | Finance | | [에이프로빗(APROBIT)](https://appshunter.io/ios/app/aprobit/id1524604860) | — | Free | Finance | | [마스터페이(MasterPay)](https://appshunter.io/ios/app/masterpay/id1528653220) | — | Free | Finance | | [Rubies Junior](https://appshunter.io/ios/app/rubies-junior/id1528977560) | — | Free | Finance | | [Ford Credit](https://appshunter.io/ios/app/ford-credit/id1523100320) | 4.5 (1,138) | Free | Finance | ## Related topics [smbx](https://appshunter.io/ios/topics/smbx) · [nobrokerhood](https://appshunter.io/ios/topics/nobrokerhood) · [pbec](https://appshunter.io/ios/topics/pbec) · [exeter finance llc](https://appshunter.io/ios/topics/exeter-finance-llc) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-01.*