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.
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
6.50 - 7.50%*
|LOW MONTHLY PAYMENTS|
per month for
|PAY OFF ANYTIME|
pay off anytime with
referral and packaging
* 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%
Take Your Business to the Next Level
How SmartBiz helps your business
Lots of small businesses qualify for a SmartBiz SBA loan
U.S. citizen or legal permanent resident
Bankruptcies or foreclosures in the last 3 years
Prior default on government backed loans
2+ years in business
Cash flow to support loan payments
Outstanding tax liens