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SmartBiz - Business Blog

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

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Money Management
February 23, 2023

A Quiz on Understanding Personal Credit Scores and Their Impact on SBA Loans

Credit scores can be confusing! But if you’re interested in an SBA loan, it’s worth your time to learn about this important metric and how it may impact your loan... Read More
Business Loans
February 21, 2023

Business Line of Credit

If you’re in need of access to money “on demand”, you may want to consider a business line of credit. Here’s some information to consider regarding this flexible... Read More
Business Loans
February 17, 2023

Choosing the right business loan provider

If you’ve made the decision to apply for funding to fuel your business, congratulations! The right funds may help you put your foot on the accelerator and power up your... Read More
Marketing
February 09, 2023

Top 15 Black-Owned Businesses and What to Learn From Them

Research tells us that in 2021, Black spending power is around $1.6 trillion. This population is not just spending, they’re also supporting the economy by starting new... Read More
Business Loans
February 08, 2023

Strengthen Cash Flow: Growth Options for Retail Businesses in 2023

Small retail business owners are understandably on edge heading into Q2 2023. However, the post-pandemic economy has not had the expected negative effect on American... Read More
Marketing
February 06, 2023

Show Your Love for Your Customers with Easy Valentine’s Day Promotions

February 14th gives business owners the opportunity to quickly put promotions in place that can increase sales and highlight your brand. This year, Valentine's Day... Read More
Business Loans
February 01, 2023

What is the Employee Retention Credit and How Can I Get It?

The 2020/2021 pandemic and economic shut downs impacted small businesses across America. To mitigate steeper financial damage, the CARES Act was signed into law on March 27,... Read More
Business Stories
January 27, 2023

BTC Envelopes and Printing: A Customer Success Story

In 2017, the SmartBiz® team had the pleasure of working with Andrew Magnus, the founder of BTC Envelopes and Printing, LLC®. Magnus secured an SBA loan from a SmartBiz... Read More
Business Stories
January 26, 2023

Meet the 2022 SmartBiz Grant Awardees

SmartBiz is happy to announce the five recipients of the 2022 SmartBiz Grant program. The recipients each received a $5,000 award and were chosen from a pool of... 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.