Save thousands by refinancing high interest debt with a low-cost SBA consolidation loan

Don’t let high-interest debt crush your cash flow. A SmartBiz SBA loan is the smart solution.

LOAN AMOUNT
$30,000 - $350,000
INTEREST RATES
7.00% - 8.00%*
REPAYMENT TERM
10 years

Why Refinance with SmartBiz?

Refinancing existing debt with a low-cost SBA consolidation loan is an important step to take if you want to expand and save big. Large or frequent payments can make it difficult to run day-to-day business operations. Additional funds may be used for working capital to help your business expand.

SBA debt consolidation loans can be used to refinance:

  • Merchant Cash Advances
  • Short-term Business Loans
  • High-interest Business Loans
  • Daily or Weekly Payment Loans
  • Business Credit Cards

How It Works

1

Pre-qualify Without Impacting your Credit

Pre-qualify in as little as 5 minutes without impacting your credit score. Simply provide basic information online and we’ll automatically tell you if you prequalify for an SBA loan from $30,000 to $350,000.

2

Provide Financial Information

Provide financial information about your business and its owners. SmartBiz will work with you to determine if you can make the low monthly payments for the 10-year term SBA loan.

3

Provide Documentation

Upload requested documents to complete your application. Your dedicated Relationship Manager can assist at any point throughout the process.

4

Get Funded

After your financial information and documentation are approved, funds can be deposited in your bank account in as fast as 7 days.


What You Could Save

Refinance your debt with an SBA loan. Use the savings to reinvest in your business.


How much do you want to refinance?

If you want to use additional funds for working capital, please add that to your amount below. If you are looking to refinance a commercial real estate loan, please review our page about SBA loans for commercial real estate.

$30,000

$350,000

MONTHLY PAYMENT
APR WITH FEES

LOAN TERM
INTEREST RATE *

* Loans have a variable rate of Prime Rate plus 2.75% to 3.75%.

START YOUR APPLICATION

What Customers Say



Qualifications


Yes

2+ years in business
Business owners must be U.S. citizens or legal permanent residents
Business owners must have personal credit scores above 650
Cash flow to support loan payments

No

Bankruptcies or foreclosures in the last 3 years
Prior default on government backed loans
Outstanding tax liens

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