StartEngine is a crowdfunding platform that connects startups with investors.
Variable fees based on funding raised
Best SMBX Alternatives ranked by AI · updated Aug 2026
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SMBX is a marketplace where individuals invest in small-business bonds and receive scheduled principal and interest payments. It targets businesses seeking growth capital and investors who prefer fixed-income products.
Top 6 SMBX alternatives
Wefunder is a platform that allows anyone to invest in startups.
3
Kiva is an online lending platform that connects lenders to entrepreneurs and small business owners around the world.
Free to use, with optional donations
Mainvest was a U.S. investment crowdfunding platform that let individuals fund small businesses through revenue-sharing agreements. The service shut down and no...
Pros
- Focused on local small-business investing rather than venture-backed startups
- Supported relatively small investment amounts
- Used revenue-sharing agreements instead of requiring traditional equity
Cons
- The platform is no longer operating
- Existing investments cannot be initiated through the service
- Had less marketplace scale than major startup-crowdfunding platforms
5
Republic is a platform for retail investors to back innovative startups, real estate, and video games.
Pros
- Open to non-accredited investors
- Diverse investment opportunities
Cons
- Limited investment options
- Regulatory limitations
Free to use
6
Honeycomb Credit
Honeycomb Credit
Honeycomb Credit is a crowdfunding platform focused on loans to small businesses. Investors fund fixed-term notes and receive scheduled principal and interest...
Pros
- Focuses on established small businesses rather than only startups
- Debt notes can provide defined repayment schedules
- Offers a community-oriented alternative to equity crowdfunding
Cons
- Returns depend on borrower repayment and are not guaranteed
- Notes are generally illiquid before maturity
- Fewer investment opportunities than larger equity platforms
Free for investors; issuer fees vary
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