Who we are &
what we believe in

We’re the white knight in small business lending

We Believe Small Business Matters

SmartBiz grew out of the 2008 financial crisis when the banks that were supposedly “too big to fail” were not equipped to provide the funding small businesses needed for growth. This left a funding gap of hundreds of billions of dollars which banks left on the side-lines, hampering small business from investing in their businesses and putting people back to work.

So-called “Alternative lenders” offered to fill the funding gap at sky-high APRs up to 150%. Because banks could not efficiently fund small business loans, the small business owner paid the price — literally!

We Believe Innovative Banks Are Part of the Solution

The founders of SmartBiz knew there had to be a better way. A better way meant enabling banks to efficiently fund great businesses by using technology and good old American ingenuity.

Enter SmartBiz! We knew we could reduce those high-cost APRs for small businesses with the right product and the right technology. We built SmartBiz around SBA loans—with low interest rates, affordable monthly payments and long repayment terms. Next, we built a platform with advanced technology to help banks streamline the SBA application process, making it easier and more cost effective for banks to provide loans to small businesses. The result was a win-win: innovative banks are able to offer one of the best small business credit products (SBA loans) and businesses are given fast access with higher approval rates to the low-cost funds they need to grow and flourish.

We Believe Small Businesses Grow and Flourish with Transparent, Affordable and Fast Funding

SmartBiz looked at the lending landscape and became the white knight galloping in with a smart solution! Our fast and easy application process is now the best choice for SBA loans for small business owners. We’re also the smartest choice for banks looking to expand or enhance their offering. In fact, we are now the #1 marketplace for successful online SBA loan applications.

SmartBiz Loans is headquartered in San Francisco where much of the innovative financial technology transformation is taking place. We are backed by leading venture capital firms and are passionate about technology, finance and helping small businesses grow.

Our Team Believes Every Small Business Loan Matters

More than just people in an office, SmartBiz is made up of associates committed to our partners and the small business entrepreneurs we serve. We’re proud to work for the #1 marketplace for successful online SBA loan applications. To us, every customer matters!

What will you use your small business loan for?

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


SmartBiz Loans
itemscope itemtype="http://schema.org/PostalAddress" span itemprop="streetAddress" 433 California Street br span itemprop="addressLocality" San Francisco | , span itemprop="addressRegion" CA span itemprop="postalCode" 94104
Phone:(866) 283-8726
itemscope itemtype="http://schema.org/Thing" span itemprop="name" SmartBiz Loans br
The whole process was awesome