SBA loans have never been easier!

We're the #1 online marketplace for SBA loans—facilitating over $1.2 billion in funded loans

6.25% - 8.50%*
$30,000 - $5 million
10 - 25 years

Why SmartBiz?

Our technology enables a fast and efficient SBA loan application process with low monthly payments and great rates, while our marketplace of SBA preferred banks increases the likelihood of getting a “yes” by matching you with the lender most likely to fund your loan. SmartBiz marketplace banks also offer Bank Term loans for small businesses who may not qualify for an SBA loan immediately or want funds faster than our streamlined SBA process provides.

Best Deal Going

SBA loans are the best deals going with 6.25% - 8.50% rates*, loans up to $5 million and long repayment terms.

Fast, Easy & Secure

Use our secure software to pre-qualify in less than 5 minutes without impacting your credit score1. Get funds as fast as 7 days after your application is complete.

Streamlined Online App

We’ve streamlined the application process so you only complete one application when you apply for an SBA loan or opt in for a Bank Term option through our bank marketplace.

Trusted & Loved

Customer reviews on independent review site TrustPilot2 rate us out of . FitSmallBusiness and Top Ten Reviews also rate us as the best SBA 7(a) provider.

* SBA loans through banks in the SmartBiz marketplace have a variable rate of Prime Rate plus 1.50% to 3.75%.

SmartBiz helps small businesses grow

SmartBiz facilitates flexible financing options with one easy application process that matches you with the marketplace bank most likely to fund your loan.


SBA Working Capital and Debt Refinancing Loans

$30,000 to $350,000

The best way for most businesses to get essential funds to successfully run daily operations and to save on high interest debt.

Debt refinancing

Refinance high-cost debt and save thousands.

Business expansion

Scale your business by adding new products or services.


Attract new prospects to grow your customer base.

Hire employees

Add needed staff to build your business.

Purchase equipment

Purchase equipment to improve efficiency.

Increase Inventory

Purchase inventory to meet busy sales periods.

Bank Term Loans

$30,000 to $200,000

The right financing option when an SBA loan isn't the best fit.

Debt refinancing

Pay off high-cost debt and increase
your monthly cash flow.

Working Capital

Get funds to hire additional staff, increase
marketing or replenish inventory.

New Equipment

Buy new equipment to improve productivity.

SBA 7(a) Commercial Real Estate Loans

$500,000 to $5 million

The fast and easy online way to refinance or finance the purchase of owner-occupied commercial real estate.

Purchase a new business property

Build equity in your business by purchasing rather than leasing an office building or other commercial space.

Refinance an existing business property loan

Avoid upcoming balloon payments or high-cost interest rates by refinancing to a low cost, long term SBA commercial real estate loan.

What our customers say

Compare & Save with SmartBiz

Get better rates and lower monthly payments for SBA loans through our bank marketplace.

SBA Loans

from SmartBiz Marketplace Banks

Cash Advance ProvidersPeer–to–Peer Lenders
(including interest rate and fees)
20% - 100%9% - 36%
FUNDING PROCESS1 - 7 days7 - 14 daysas fast as 7 days
LOAN TERM< 1 year1 - 5 years10 - 25 years
TYPICAL PAYMENT FOR A $100,000 LOAN$12,000 per month
(daily payments required)
$5,000 per month
Cash Advance Providers
ESTIMATED APR (including interest rate and fees)
20% - 100%
1-7 daysas fast as 7 days
< 1 year10 - 25 years
$12,000 per month
(daily payments required)

One easy application. Two
loans to choose from.

Whether you select an SBA or Bank Term loan, we’ve streamlined the application process so you only complete one application. How easy is that?


1. We conduct a soft credit pull that will not affect your credit score. However, in processing your loan application, the lenders with whom we work will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and happens after your application is in the funding process and matched with a lender who is likely to fund your loan.
2. Rating reflects customer reviews as of February 26, 2020.
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SmartBiz Loans
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Phone:(866) 283-8726
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