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
December 16, 2021

Cost Of Sales vs COGS: 8 Ways To Differentiate The Terms

Both cost of goods sold (COGS) and net sales, which require knowing the cost of sales to calculate, are key lines on your small business’s income statement. COGS and... Read More
Marketing
December 16, 2021

Marketing Guide for Small Business Owners

According to the U.S. Small Business Administration (SBA), small businesses with under $5 million in revenue should invest seven to eight percent of their revenue into... Read More
Operations
December 15, 2021

Customer Service Guide for Small Businesses

The first impressions your employees make on a potential (or returning) customer can have a lasting impact. That’s why focusing on providing top-notch customer service... Read More
Money Management
November 19, 2021

5 Key Factors to Consider Before You Buy Commercial Property

If you’re planning to invest in commercial real estate, you’ll want to put in some serious thought ahead of time. While any type of real estate might sound like a... Read More
Operations
November 11, 2021

12 Best Free Accounting Software for Small Businesses

Shoebox accounting (tossing everything together and sorting it out later) can cripple your company. These days, small businesses need an accounting system that’s cost... Read More
Money Management
November 03, 2021

Can a Sole Proprietor Have Employees?

Sole proprietors don’t have to run the ship alone. Here’s what you need to know about hiring help for your small business. ... Read More
Marketing
October 13, 2021

9 Customer Loyalty Programs For Small Businesses

Customer loyalty programs for small business are an inexpensive way to increase sales and customer retention. A loyalty program also can prevent customers from... Read More
Business Loans
October 11, 2021

Alternatives to a PPP Loan for Small Business Owners

To offset the economic impact of the coronavirus, the Paycheck Protection Program (PPP) provided eligible small business owners two rounds of fully or partially... Read More
Money Management
October 04, 2021

Small Business Growth Statistics That May Surprise You

Small businesses are important to the U.S. economy because 99% of all U.S. firms are small businesses, employing about half of the private workforce. They are... 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.