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SmartBiz - Business Blog

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

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Business Stories
August 09, 2022

Business Story: Enyermy Hair Solution, LLC

Consumers are becoming increasingly focused on “self-care” to boost their health, look good, and feel better. As a result, the world-wide beauty industry is booming, with new... Read More
Business Loans
July 27, 2022

The EIDL Program has Closed – Here are Some Small Business Funding Options in 2022

The COVID-19 EIDL program officially ended on May 16, 2022. The Economic Injury Disaster Loan (EIDL) and EIDL Advance programs were put into place to help businesses... Read More
Money Management
July 25, 2022

Test Your Business Credit Score IQ

If you’re a small business owner in need of funding, there are ways to improve your chances of getting approved for a loan. One thing lenders review is your business... Read More
Business Loans
July 22, 2022

SBA Grant vs. Loan: What are the Differences?

If you’re looking for funding for your small business, you have a number of options. Two of them are grants and loans. How do SBA grants and SBA loans compare, and... Read More
Business Loans
July 19, 2022

Loans for Business Expansion: Here's What You Should Know

It’s a cause for celebration when your small business finds success in its chosen market. And while that’s a notable accomplishment, it comes with its own set of... Read More
Business Loans
July 19, 2022

Types of Business Loans: Your Guide to the Perfect Pick

Choosing the right business loan can often mean the difference between success or failure. Several loan types are available from various financial institutions and... Read More
Business Loans
July 19, 2022

Small Business Term Loans Pros and Cons

Securing funding to fuel growth for your small business can be complex. The local bank used to be the only choice for loans. These days there are a variety of online... Read More
Money Management
July 18, 2022

Pros and Cons of Cosigning a Loan: Things to Consider

Cosigning a loan is a significant financial decision that you shouldn’t take lightly. On one hand, they’re an excellent way to help a loved one rebuild bad credit,... Read More
Business Loans
July 18, 2022

What is a prepayment penalty and what to look out for

Looking for a business loan? Be sure to ask about prepayment penalties. These penalties can arise if you repay your loan before your term ends. That might sound... 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.