Access to the right loan for right now
See if you pre-qualify, without impacting your credit score.1
Lower interest, lower monthly payments.How do SBA loans work?
Bank Term Loans
Shorter terms, faster delivery of funds.Learn about bank term loans
Flexible solutions for any situation.Discover more options
How much do you want to borrow?
Use the slider to select your working capital or debt refinance loan amount.4
The smart capital you need to grow
We’re proud to be the leading AI-powered financing platform connecting small businesses with SBA, bank term loans, and flexible financing options.
Need working capital?
Find funds to increase inventory, staff up, or expand your business.
Adapting to the new normal?
Smooth out your daily operations and start future-proofing.
Save on high-interest debt to increase your monthly cash flow.
One intuitive application quickly connects you with the right capital for your business
Simply tell us about your business and goals, and our technology will take care of the rest. No faxing, printing, or mountains of paperwork required.
You'll review loan offers from our network of banks and trusted lenders within minutes
Our automated process makes it easy for you to find the right small business loan for right now, and our dedicated professionals are always on hand to help walk you through the details.
America’s banks partner with SmartBiz to serve their small business customers
By bringing together exceptional finance professionals and industry-leading AI, we help banks find new small business loan applicants and enable them to offer a superior customized lending experience. We innovate alongside them to equip every entrepreneur with reliable access to smart capital.
Here's how our tech made us the most trusted and utilized network for small business loans
Trusted & Loved
Second to none
“My experience with SmartBiz was tremendous…very easy to work with and follow through was second to none. I would highly recommend them to any business owner.”
Excellent follow up and professionalism.
“Excellent follow up and professionalism. Almost too good to be true, but it was true!”
“An excellent company to help small businesses to get funding.”
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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. Numbers based on internal reporting and metrics
3. Based on FY2020 SBA loans data released by the SBA for SBA 7(a) loans under $350,000
4. This calculator is a tool meant to help you estimate monthly payment amounts based on the information you enter. The monthly payment provided is an estimate meant for illustrative purposes only; loan sizes, interest rates, and loan terms vary and are determined by the applicant's credit profile.