SMBX vs NFMLending
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
SMBX
This platform connects investors with small businesses seeking funding. It allows individuals to invest in local businesses through Small Business Bonds, offering a way to earn monthly passive income. Transparency is provided on how funds are used, with investments starting as low as $10.
- Invest in small business bonds
- Earn monthly passive income
- Transparent investment tracking
- Invest as little as $10
- Community-based investing
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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.
NFMLending
This app assists consumers in obtaining residential loans by streamlining the application and closing process. It focuses on providing exemplary service with high standards of honesty, integrity, and ethics.
- Residential loan assistance
- Streamlined loan process
- Fast closing times
- High service standards
- Honesty and integrity focus
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NFM Lending is an award-winning, multi-state residential mortgage lender currently licensed in 42 states. NFM Lending focuses on assisting consumers in obtaining a residential loan that meets their needs while ensuring that they are receiving exemplary service throughout the process. NFM Lending is dedicated to streamlining the loan process in order to shorten the time from loan application to closing without sacrificing service, quality, or compliance. Our company operates on a platform of high standards, while always putting honesty, integrity, and ethics at the highest level of importance.
Screenshots
Verdict
SMBX and NFMLending both sit at 3.6 stars, but that hides the real split: 31% of SMBX's written reviews are positive against 0% of NFMLending's. SMBX also leads on update cadence (every 2 weeks vs every 3 months) and ratings volume (49 vs 2). On price, rating, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 3.6 for SMBX against 3.5 for NFMLending. That said, the two scores are not equally well evidenced: SMBX has 49 ratings behind it against 2, so its average is the more settled of the two. Written reviews are what separate them: 31% of SMBX's written reviews are positive against 0% of NFMLending's.
SMBX ships an update every 2 weeks, NFMLending every 3 months. The most recent releases landed on September 20, 2026 and June 10, 2026 respectively.
| Parameter | SMBX | NFMLending |
|---|---|---|
| Price | Free | Free |
| Rating | 3.6 (49 ratings) — better | 3.5 (2 ratings) |
| Positive reviews | 31.3% of reviews — better | 0.0% of reviews |
| Number of ratings | 49 — better | 2 |
| Update frequency | Every 2 weeks — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 14.7 — better | 18.0 |
| Further details — not scored | ||
| Size | 84 MB | 95 MB |
| Age rating | 4+ | 4+ |
| Developer | SMBX, Inc. | NFM, INC |
Customer experience
SMBX
NFMLending
In-app purchases
SMBX
No in-app purchases
NFMLending
No in-app purchases
