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  • Financing solutions

    Connecting small business owners with financing solutions

    SBA Loans

    Grow efficiently with low-interest SBA loans - tailored for small businesses.

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    Term Loans

    Secure stable funding for growth - flexible terms, fixed rates.

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    Line of Credit

    Flexible funds on hand to manage your cash flow seamlessly.

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    Small Business Owner

    Small Business Stories

    Hear from small businesses, like yours, that have accessed funding to drive success.

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  • How it works

    Learn how we make the complex clear and the process seamless

    Loan Process

    Our streamlined loan process blends innovative technology with personalized service.

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    SBA Loan Calculator

    Review potential payments and navigate the SBA 7(a) loan confidently with our SBA loan calculator.

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    FAQs

    Learn more about SmartBiz and small business financing. Explore our frequently asked questions.

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  • About us

    We’re your dedicated small business financial partner

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    Small Business Owners

    Customer Reviews

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The smarter source for small business loans

Get the capital you need to grow through SBA Loans, Bank Term Loans, Lines of Credit, and more fast and flexible financing options.

Apply Now
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Only takes 5 minutes and doesn't impact your credit score1

small business customers

Sara R.
October 2023

"...Our relationship manager was very helpful and really streamlined the entire loan process for us. Top Notch Service! Definitely would recommend."

Excellent 4.6 out of 5

By the Numbers

$9B
Delivered to small businesses 2
#1 Facilitator
In SBA 7(a) Loans < $350k 3
230K
Entrepreneurs funded 2

Access to the right loan for right now

See if you pre-qualify, without impacting your credit score.1

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SBA Loans

Lower interest, lower monthly payments.

How do SBA loans work?
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Bank Term Loans

Shorter terms, faster delivery of funds.

More on Bank term loans
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Line of Credit

Flexible funds and a low monthly payment.

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How much do you want to borrow?

Use the slider to select your working capital or debt refinance loan amount.4

Start your application

consolidate debt

Save thousands by refinancing with an SBA Loan

Over 50% of our customers have used proceeds from their SBA 7(a) loans to refinance and consolidate debt, saving business owners an average of over $117,000 per year in annual debt payments. This translates to lowering their monthly payments by nearly $10,000 on average.*

Learn how you can reduce the burden of high-interest debt with an SBA loan.

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Consolidate High Interest Debt

*Based on internal data YTD 2024. Actual refinance savings will vary based on loan size and rate, as well as the amount and pricing of debt refinanced.

Trusted & Loved

Trustpilot

Very Satisfied

“Fantastic experience! The entire team that I worked with, specifically Pamela did a FIRST CLASS job. Communication was on point, I was in the loop every step of the way. Glad I chose SmartBiz Loans for our SBA needs.”

Mike M

Rates are good. Service is Excellent.

“Good experience with SmartBiz, rates are good, service is excellent. It is refreshing to work with experienced pros on the many moving parts of an SBA loan. This was a good move for my business.”

Tim Campbell

On top of everything!

“It couldn't have gone any better…stayed on top of everything and got us through the process easily. We will definitely be contacting for advice as we grow our small family business. Thank you, SmartBiz!”

Rori Prushinski

Smart growth is smart business

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The financing you need to grow

We’re proud to be the leading financing platform connecting small businesses with SBA, bank term loans, and flexible financing options.

See if you pre-qualify
Need working capital?

Find funds to increase inventory, staff up, or expand your business.

Adapting to change?

Smooth out your daily operations and start future-proofing.

Refinancing debt?

Save on high-interest debt to increase your monthly cash flow.

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1. 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

2. Numbers based on internal reporting and metrics

3. Based on FY2020 SBA loans data released by the SBA for SBA 7(a) loans under $500,000

4. This calculator is a tool meant to help you estimate monthly payment amounts based on the information you enter. The monthly payment provided is an estimate meant for illustrative purposes only; loan sizes, interest rates, and loan terms vary and are determined by the applicant's credit profile. 

* Interest rate depends on loan term, business borrower credit score, and financial profile.