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SmartBiz - Business Blog

How to Determine the Right Type of Small Business Loan for Your Company

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Business Loans
January 15, 2025

Business Lines of Credit: How They Work and Tips on How to Qualify

You’ve just secured the biggest order of the year—great news for your business. But there’s a catch. Payment won’t arrive for 60 days, and in the meantime, payroll is due,... Read More
Operations
January 06, 2025

Cybersecurity for Small Businesses

As a small business owner, you may think cybersecurity concerns are reserved for big companies. After all, the breaches that make headlines often involve high-profile... Read More
Money Management
December 18, 2024

How To Improve Your Business Credit Score

At SmartBiz®, we’re here to help small businesses access the financing they need—whether it’s an SBA loan, a Bank Term loan, or another option. When we chat with... Read More
Business Loans
December 11, 2024

Empowering Growth: What the SBA’s Record Lending Means for Your Business

If you’re a small business owner, there’s never been a better time to access the funding you need to thrive. With record levels of capital, government initiatives... Read More
Business Loans
December 04, 2024

Multiple SBA Loans: Can You Apply For an SBA Loan Twice?

If you’ve previously qualified for a Small Business Administration (SBA) loan, your business has likely benefited from the funds, putting you on a strong financial footing.... Read More
Money Management
November 27, 2024

Real Stories of How Refinancing Drives Small Business Growth

Small business owners know that taking on debt is sometimes necessary to achieve big goals, whether it’s launching a business or seizing a new opportunity. Yet, those... Read More
Money Management
November 20, 2024

8 Small Business Debt Consolidation Strategies

Managing multiple high-interest loans can be challenging for small business owners. Balancing several payments requires some strategic thinking, particularly when... Read More
Business Loans
November 13, 2024

SBA 7(a) Loan: How to Get the Popular SBA Loan

Growing a small business is an exciting journey, but can also push a business to its financial limits. Expenses can pile up, cash flow may feel tight, and funding everyday... Read More
Operations
November 11, 2024

New Year’s Resolutions for the Small Business Owner in 2025

It’s that time of year again—New Year’s resolutions are in the air! As a small business owner, it’s time to look beyond personal goals and focus on resolutions that may... Read More

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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 $350,000

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.