How It Works

Get approved, get funded and get back to business.

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 pre-qualify for a loan from $30,000 - $350,000.


Provide Financial Information

Tell us how you plan to use your funds and provide financial information about your business and its owners. Your personal loan consultant can assist at any point throughout the process.


Get Funded

Upload requested documents to complete your application. We’ll review your financials to confirm your business has the cash flow to afford the monthly loan payments. Funds can then be in your bank account in as fast as 7 days after your application is complete.

What SmartBiz Costs

Lower monthly payments and
rates than other lenders

LOAN SIZE

$30,000 to
$350,000

INTEREST RATE

6.25 - 7.25%*

LOW MONTHLY PAYMENTS

$1,123

per month for
a $100,000 loan

TERM LENGTH

10 years

PAY OFF ANYTIME

$0

pay off anytime with
no fees or penalties

FEES

4%

referral and packaging
fees plus closing costs**



* Loans have a variable interest rate of Prime Rate plus 2.75% to 3.75%
** Loans above $151,000 also have a SBA guarantee fee of 2.25%

What Customers Say


Take Your Business to the Next Level

How SmartBiz helps your business

Working capital

Business expansion

Equipment Financing

Debt Refinancing

Business Acquisition

SBA Qualifications

Lots of small businesses qualify for a SmartBiz SBA loan


Business Owner


Business Owner

Yes

U.S. citizen or legal permanent resident

Good credit

No

Bankruptcies or foreclosures in the last 3 years

Prior default on government backed loans


Business


Business

Yes

2+ years in business

Cash flow to support loan payments

No

Outstanding tax liens

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