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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
September 12, 2022

Break-Even Analysis: What it is and How to Calculate it

When you’re starting or growing your business, you want to have the tools in place to forecast future financial circumstances. This means better understanding when... Read More
Business Loans
September 09, 2022

SBA Loans vs. Alternative Loans: What's Best for You?

As a business owner ready to expand, you’ll find a plethora of small business funding options available to you. If you tried to qualify for a traditional loan through... Read More
Money Management
September 08, 2022

How to Lower Your Bills: 12 Ways to Reduce Monthly Costs

Here is the scenario: You sit down to review your company’s spending over the last few months and you see numbers much higher than you’re used to. You wonder right... Read More
Business Loans
September 05, 2022

How to Fill Out a Personal Financial Statement - SBA Form 413

A Small Business Administration (SBA) loan is often one of the best types of loans for small business owners because of lower rates and long repayment terms. The SBA –... Read More
Business Loans
September 01, 2022

Business Loan Rejection: 10 Potential Reasons Why

One of the first things you’ll likely consider when starting or expanding your business is how you’ll be able to operate profitably. Many small business owners plan to... Read More
Business Loans
August 29, 2022

Short-Term Working Capital Loan: SBA CAPLines and Alternatives

If your small business needs funding, a short-term loan can help. A revolving credit line might help too. The SBA CAPLines loan program offers both these options.... Read More
Money Management
August 26, 2022

Do You Have a Business Continuity Plan (BCP)? Here's What to Know

In business, as in life, anything can happen at any time. Some can be great, like an unexpected interest in your products or services from a high-paying potential... Read More
Marketing
August 24, 2022

How to find influencers for a small business: 9 tips

Thanks to digital marketing, many successful companies are finding a wider audience online. An increasingly prevalent part of digital marketing is the use of... Read More
Money Management
August 22, 2022

How to Calculate Year-Over-Year Growth and Why it’s Important

There are several ways to track how your company is succeeding and where it needs improvement. Year-over-year growth is among the most reliable of these measures,... 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.