SBA loans have never been easier!

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

6.75% - 9.00%*
$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” by matching you with the lender most likely to fund your loan. And if you don’t qualify for an SBA loan, you may be offered the opportunity to opt in for one of our bank partners’ non-SBA options instead.

Best Deal Going

SBA loans are the best deals going with 6.75% - 9.00% 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

We’ve streamlined the loan application process so you only complete one application when you apply for an SBA loan or opt in for a non-SBA option.

Trusted & Loved

Customer reviews on independent review site TrustPilot** rate us 9.4 out of 10. FitSmallBusiness and Top Ten Reviews also rate us as the best SBA 7(a) provider.

* SBA loans have a variable rate of Prime Rate plus 1.50% to 3.75%.
** Rating reflects 703 customer reviews as of October 23, 2018

Take your business
to the next level

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

Get Started ›

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.

Non-SBA Loans

$30,000 to $200,000

The right financing option when you aren't quite ready for an SBA loan.

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. 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.

What our customers say

Compare & Save

Better rates and lower monthly payments

Cash Advance ProvidersPeer to Peer Lenders
(including interest rate and fees)
20% - 100%9% - 36%7.18% - 10.34%
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$1,213 per month
Cash Advance Providers
ESTIMATED APR (including interest rate and fees)
20% - 100%7.18% - 10.34%
1-7 daysas fast as 7 days
< 1 year10 - 25 years
$12,000 per month
(daily payments required)
$1,213 per month

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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