Skip to content
  • Financing solutions

    Connecting small business owners with financing solutions

    SBA Loans

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

    Explore Now

    Term Loans

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

    Explore Now

    Line of Credit

    Flexible funds on hand to manage your cash flow seamlessly.

    Explore Now
    Small Business Owner

    Small Business Stories

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

    Read More
  • 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.

    Learn More

    SBA Loan Calculator

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

    Explore Now

    FAQs

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

    Read More
    Small Business Animal Hospital

    Small Business Blog

    Unlock invaluable insights and tips for small business success.

    Read More
  • About us

    We’re your dedicated small business financial partner

    Our Company

    Discover our story and our commitment to supporting small businesses.

    Learn More

    Careers

    Join a dynamic team dedicated to driving innovation and growth.

    Explore Now

    News

    Stay informed with our latest announcements and industry updates.

    Read More
    Small Business Owners

    Customer Reviews

    Hear from our customers - real stories of success and satisfaction.

    Read More
Apply Now

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.

Pencil and Paper Icon

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:

Editorial Process ›

Posts By SmartBiz Team

Money Management
September 17, 2020

Negative Retained Earnings: Definition, Impacts, and Effects

Your business’s balance sheet is filled with figures that spell out your business’s financial health. It may be tempting to keep things simple with a final profit or... Read More
Operations
September 17, 2020

1099 or W-2: Which Is Better For An Employee?

Congratulations on your new hire! Whether this is the first or 20th employee you’re adding to the payroll, you have some important decisions to make, including... Read More
Money Management
September 07, 2020

How To Ask Customers To Pay Their Outstanding Balance

Your cash flow depends on invoices being paid in a timely manner. However, not every client or customer will pay the money they owe you on schedule. If asking for... Read More
Business Loans
August 24, 2020

Black Business Funding: Top Financing Options

Good news: There are now more than 8 million minority-owned businesses in America. Bad news: Minorities are still having a much harder time accessing small business... Read More
Business Stories
August 18, 2020

Business Story | TriFytt Sports

Before SmartBiz, Andrew had credit card and short term loans with interest rates as high as 20%. With two SBA loans, he’s paid off high interest debt and funded... Read More
Money Management
July 27, 2020

How to Calculate Total Current Assets

The current assets formula, sometimes called the total current assets formula, is a key indicator of your business's short-term financial health. Your goal should be... Read More
Business Loans
July 14, 2020

Small Business Working Capital Loans: The Best Options

If you’re in need of working capital to keep your business humming along, a low-cost loan can be a great solution. Here’s what you need to know about how a small... Read More
Money Management
July 06, 2020

Bookkeeping vs. Accounting: Main Differences & Similarities

Every business owner should know that although accounting and bookkeeping accounting are both important business functions, there are differences. Both accountants and... Read More
Business Loans
June 18, 2020

Can I get an SBA 7(a) loan if I already have an Economic Injury Disaster Loan (EIDL)?

Have you received an SBA Economic Injury Disaster Loan (EIDL) to support you through the coronavirus economic downturn? If so, you have additional options to help... Read More

Smart growth is smart business

Subscribe and receive tips, success stories, resources, and more!

Access to the right loan for right now

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

Apply Now

Back to Top

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.