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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
December 16, 2021

Cost Of Sales vs COGS: 8 Ways To Differentiate The Terms

Both cost of goods sold (COGS) and net sales, which require knowing the cost of sales to calculate, are key lines on your small business’s income statement. COGS and... Read More
Marketing
December 16, 2021

Marketing Guide for Small Business Owners

According to the U.S. Small Business Administration (SBA), small businesses with under $5 million in revenue should invest seven to eight percent of their revenue into... Read More
Operations
December 15, 2021

Customer Service Guide for Small Businesses

The first impressions your employees make on a potential (or returning) customer can have a lasting impact. That’s why focusing on providing top-notch customer service... Read More
Money Management
November 19, 2021

5 Key Factors to Consider Before You Buy Commercial Property

If you’re planning to invest in commercial real estate, you’ll want to put in some serious thought ahead of time. While any type of real estate might sound like a... Read More
Operations
November 11, 2021

12 Best Free Accounting Software for Small Businesses

Shoebox accounting (tossing everything together and sorting it out later) can cripple your company. These days, small businesses need an accounting system that’s cost... Read More
Business Loans
November 08, 2021

Insurance Required to Obtain an SBA Loan

Are you a small business owner in need of funding? A Small Business Administration (SBA) loan is known as the “gold standard” for entrepreneurs who want to consolidate... Read More
Money Management
November 03, 2021

Can a Sole Proprietor Have Employees?

Sole proprietors don’t have to run the ship alone. Here’s what you need to know about hiring help for your small business. ... Read More
Marketing
October 13, 2021

9 Customer Loyalty Programs For Small Businesses

Customer loyalty programs for small business are an inexpensive way to increase sales and customer retention. A loyalty program also can prevent customers from... Read More
Business Loans
October 11, 2021

Alternatives to a PPP Loan for Small Business Owners

To offset the economic impact of the coronavirus, the Paycheck Protection Program (PPP) provided eligible small business owners two rounds of fully or partially... 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.