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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 Loans
April 19, 2022

Is a Small Business Loan Secured or Unsecured?

When you need funding for your small business and you look up loans, certain terms and conditions might worry you. Namely, the prospect of collateral – assets a lender... Read More
Operations
April 18, 2022

How to Build a Large, Stable Team as A Small Business Owner

Seeing growth is exciting for any small business owner, but deciding to expand can be nerve-wracking. Roughly two-thirds of the fastest-growing startups fail, proving... Read More
Business Loans
April 15, 2022

How to Pick an Online Lender for a Small Business Loan

In the early stages of your small business, you might need a loan to help fund growth. Down the line, when your business has matured but you want to continue to build... Read More
Business Loans
April 14, 2022

How to Choose a Small Business Loan in 8 Easy Steps

When your business needs funding, you might be tempted to get it from the fastest possible source. That approach is understandable, but it can backfire, as fast funding... Read More
Business Stories
April 13, 2022

AmsedBK Designs Business Story

The SmartBiz Loans team is hard at work helping small business owners across America get the funding they need. One business helped, AmsedBK Designs®, owned by... Read More
Operations
April 12, 2022

7 Small Business Trends in 2022: Here's What You Should Know

If you’re weary of the word “unprecedented”, you’re probably not alone. Something that is unprecedented is not known, experienced, or done before. The world-wide... Read More
Operations
April 03, 2022

April is Stress Awareness Month: How Small Business Owners Can Observe

Wow. The world is experiencing crazy times. 2020, 2021, and now 2022 have been extremely challenging on a personal, economic, and worldwide scale. It's safe to say... Read More
Money Management
April 03, 2022

What is Working Capital? Definition and Key Information

Working capital is the lifeblood of any small business. SmartBiz customers often use SBA 7(a) loan proceeds for working capital to spark growth. Here’s what you need... Read More
Business Loans
April 02, 2022

SBA Loan Timeline and How to Apply in 2022

A traditional SBA 7(a) loan can provide valuable working capital or help you refinance expensive debt.. When you’re shopping for a lender, one important detail to know... 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.