Welcome Xero Business owners!

Get up to $150,000 for your business with an SBA-guaranteed term loan.

As a Xero business customer, you can find out in minutes how much you qualify for with our SBA-guaranteed loan that has a low 6% to 8%* interest rate, 10 years to repay, and low monthly payments.

Use your Xero account to find out if you qualify.Xero help

Here’s how it works

Find out if you qualify

  • You'll be directed to Xero to securely login to your account
  • We’ll let you know how much you’re qualified to apply for
  • Your small business customers can also use SmartBiz for working capital to grow their business

Get an instant decision

  • Complete the online application in minutes to get approved
  • Funds delivered to your bank account in two to five days

Repay with low monthly payments

  • 10 year term, so monthly payments are low
  • Interest rate currently only 6% to 8%*
  • Pay off anytime without penalties

* Loans have a variable rate of Prime Rate plus 2.75% to 4.75%. Monthly payment, fees and Annual Percentage Rate (APR) are estimates and may vary. APR includes fees whereas interest rate does not. Fees in APR calculation are referral, packaging and guarantee fees as well as estimated closing costs. Closing costs include standard bank fees; additional 3rd party report charges may apply. Loans can be paid off at any time with no prepayment penalty.