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SmartBiz - Business Blog

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

Explore Our Resources

Business Stories
February 09, 2022

Outdoor Dreams Business Story

A repeat SmartBiz customer shared his SBA 7(a) loan application experience online recently: Read More
Money Management
February 07, 2022

How Can You Build Credit with a Limited Credit History

Business credit, like personal credit, is something you build, protect, and cultivate over time. While banks and other loaning institutions will initially check your... Read More
Marketing
February 01, 2022

Black History Month Small Business Guide 2022

To celebrate Black-owned businesses, Monday, February 1st through Monday, March 1st has been designated as National Black History Month. It’s a yearly celebration of... Read More
Business Stories
January 31, 2022

SmartBiz Awards $25,000 in Grants to Minority-Owned Small Businesses

In December 2021, SmartBiz Loans announced five new recipients of the SmartBiz Grant Program. The Program was established to support minority, women, and veteran... Read More
Money Management
January 30, 2022

Tips for a Small Business Owner Filing Your First Tax Return

If you're a newly established small business owner, chances are that you will be filing your very first tax return. Tax code can be complex. We’ve outlined helpful... Read More
Money Management
January 28, 2022

High-Low Pricing for Small Businesses

An important element of small business ownership is how to price your products or services. However, it’s not a simple guessing game. Pricing strategies are determined... Read More
Business Loans
January 25, 2022

Long Term Business Loans: Your Complete Guide

The benefits of long-term business loans, like an SBA loan with a 10-year term, can help you expand your business. Read More
Money Management
January 25, 2022

FICO Liquid Credit Score: Understand Your Credit When Applying For Loans

Most people are familiar with their personal credit score. The FICO score is used in more than 90% of all underwriting decisions in the U.S. It works a bit differently... Read More
Business Loans
January 24, 2022

Small Business Term Loans vs SBA Loans: Which Is Best for You?

There are lots of loan products to explore if you need funding for your small business. In fact, a Google® search for “small business loans in the U.S.” produces just about... 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.