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SmartBiz Team

SmartBiz Team

Our team


We’re a diverse and distributed team of technologists working together to transform small business banking. We’re making bold moves and scaling quickly under the committed leadership of an executive team working on behalf of entrepreneurs and the forward-thinking banks that serve them.


How we work


Our core values help enable us to pursue an ambitious and important vision and to make an immediate impact in the lives of the entrepreneurs we serve. We believe in diversity of thought and perspectives, which is why we rotate authors on our team to ensure our blog content reflects varying viewpoints. This allows each SmartBiz team member to contribute to providing valuable resources to small business owners.

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About the SmartBiz Editorial Process

Our writers and editors work hard to provide the most accurate and up-to-date blog posts. Our editorial process reflects our vision and standards and applies to all content. Learn more about how we write, edit, and fact check our posts:

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Posts By SmartBiz Team

Money Management
December 04, 2020

Example of Income Statement, Format and Structure

With the amount of money that regularly moves in and out of your company, you’ll need to thoroughly understand your company’s spending and earning to properly analyze... Read More
Business Loans
November 11, 2020

Loss Payee Endorsement: A Detailed Guide

As a small business owner seeking Small Business Administration (SBA) loans, you might encounter some unfamiliar terms during the application process. Among these... Read More
Operations
November 11, 2020

S Corp vs. C Corp: Advantages And Disadvantages

If you plan to incorporate your company, your business success might strongly depend on which corporate tax classification you choose. You have two options: an S... Read More
Money Management
November 04, 2020

What Is A UCC Search? What You Need To Know

While considering loans to grow your business, you’ll often have to do something fairly risky: put up some of your assets as collateral. Exposing your property to... Read More
Operations
November 03, 2020

Small Business Employees: Tips For Making The Right Hiring Decisions

As you hire your first-ever employees, choosing the wrong people can cost you. You can’t get time and money back after you spend it training someone who just isn’t a... Read More
Money Management
October 14, 2020

What Are FUTA And SUTA? Taxes Small Business Owners Have To Pay

When you pay your W-2 employees, you withhold money from their paychecks to cover their Medicare and Social Security taxes. Your company also has to pay an employer... Read More
Money Management
October 14, 2020

How and When to File Form 8832

If your small business is an LLC, you may be surprised to learn that your tax classification is only valid on the state level. Federally, the IRS classifies you as a ... Read More
Money Management
October 08, 2020

Retained Earnings Calculation: The Ultimate Guide

When your small business earns revenue, you’ll likely use that revenue to cover your business expenses. You should also keep some of this revenue on hand for other... Read More
Business Loans
October 07, 2020

First Time Business Owner Loans: 6 Best Loans For First Time Owners

Banks generally don't hand out loans to borrowers except those with great qualifications. New business struggle finding first-time business loans because of the higher... 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.