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

Why SmartBiz®?

Our technology enables fast and easy SBA loans with low monthly payments and great rates, while our marketplace of SBA preferred banks increases the likelihood of getting a “yes” because we match you with the lender most likely to fund your loan.

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 prequalify in less than 5 minutes without impacting your credit score. Get funds as fast as 7 days after your application is complete.

Streamlined Online App

Our marketplace of SBA banks increases the likelihood of getting to a “yes” since we match you with the lender most likely to fund your SBA loan.

Trusted & Loved

Customer reviews on independent review site TrustPilot** rate us 9.5 out of 10. FitSmallBusiness and Top Ten Reviews also rate us as the best SBA 7(a) provider.

* Loans have a variable rate of Prime Rate plus 1.50% to 3.75%.
** Rating reflects 132 customer reviews as of December 22, 2016.

Take your business to the next level

SmartBiz Loans helps your small business get the most affordable business loan in America.

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. Take advantage of our rent replacement option with minimal down payment required!

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.

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.


Attract new prospects to grow your customer base.

Purchase equipment

Purchase equipment to improve efficiency.

Business expansion

Scale your business by adding new products or services.

Hire employees

Add needed staff to build your business.

Increase Inventory

Purchase inventory to meet busy sales periods.

What Customers Say

Compare & Save

Better rates and lower monthly payments

APR includes the interest rate and all fees
SmartBiz Loans6.36% - 9.57%As fast as 7 days10 - 25 years$1,174 per month
Peer-to-Peer Lenders9% - 36%7 – 14 days1 – 5 years$5,000 per month
Cash Advance Providers20% - 100%1 – 7 days< 1 year$12,000 per month (daily payments required)
SmartBiz LoansCash Advance Providers
APR includes the interest rate and all fees
6.36% - 9.57%20% - 100%
10 - 25 years< 1 year
As fast as 7 days1 - 7 days
$1,174 per month$12,000 per month (daily payments required)

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itemscope itemtype="" div itemprop="itemReviewed" itemscope itemtype="" span itemprop="name" SmartBiz Loan br div itemprop="author" itemscope="" itemtype="" | Reviewed by span itemprop="name" Henry Feintuch, Feintuch Communications div itemprop="reviewRating" itemscope="" itemtype="" span itemprop="description" A painless, positive and clean experience br | Rating: span itemprop="ratingValue" 5