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Custom Financing

Flexible solutions for any situation

We help small businesses with unique challenges find the financing options that work for them.

Interest Rates

as low as 6.99%1

Bank Term Loan Amounts

$30,000 - $500,000

Repayment Terms

24-60 months
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Only takes 5 minutes and doesn't impact your credit score2

Funds that meet you where you are

When traditional loans aren’t practical due to your time constraints, revenue situation, or credit profile, we’ll help connect you with customized lending options.

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Flexible funding solutions for most credit profiles


$30,000 - $500,000 deployed faster than traditional loans

Low Interest Rate

Suitable for newer businesses with less cash flow

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Diverse financing options from lines of credit to invoice financing


Compare offers from our network of trusted lending partners

Automated and on your side

Our mission is to equip every entrepreneur with reliable access to the smart capital they need to grow. We’ve taken the long, complicated process of applying for funding and streamlined it for the way you do business today. One single application is powered by intuitive technology and an exceptional team dedicated to finding you the right financing offers, without wasting your valuable time. We’re proud to be the leading financing platform connecting small businesses with SBA, bank term loans, and flexible financing options.

Frequently asked questions

Your dedicated team of SmartBiz professionals will review your unique business needs and help recommend the right option.

My credit isn’t great — should I still apply?
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Absolutely. We know you’re more than your credit history, and our technology and team will work with you to find a solution that works for where you are right now. Our experienced staff can also coach you on ways to improve your credit profile over time to expand the financing options available to you.

Should I also apply for an SBA or bank term loan?
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Our single application connects you with the financing options that best fit your specific needs and profile — there’s no need to apply more than once.

What types of custom financing are available for me?
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From lines of credit to invoice financing, there are many potential solutions to your specific financing needs. We’ll find the best available terms on the best options for you.

What are my options if I’m not approved for an SBA loan?
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Our network of trusted banks and lenders includes many options for businesses that don’t yet qualify for SBA loans. Typically there is no need to fill out more than one application, we’ll present you with other financing offers.

Trusted & Loved

Prompt and pleasure to work with.

Loan Application Made Easy AND Enjoyable. Working with SmartBiz Loans made applying for an SBA loan quick and easy. Their team was prompt, professional, and a pleasure to work with. I want to apply for more loans just to be able to work with them again!

Chad N


It was a smooth experience working with you, you kept updating me all the time, that made me feel valued a lot. That was the best experience to me, ever with any banking institution. Thank you a million times.


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.

Mark H

Meet the 2022 SmartBiz Grant Awardees

The recipients each received a $5,000 award and were chosen from a pool of eligible minority, women, or veteran-owned U.S. businesses.

Keep reading
SmartBiz Awards $25,000 in Grants to Minority-Owned Small Businesses in 2021

The Program was established to support minority, women, and veteran business owners to help equip entrepreneurs with reliable access to smart capital.

Keep reading

Have 5 minutes? Apply online

See if you pre-qualify without impacting your credit score.2

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  1. Our Custom Financing partners offer rates as low as 6.99% and rates depend on the applicant's credit and financial profile and term.
  2. 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.