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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
June 21, 2021

SBA 7a Loan Rates, Terms, Amount and Maturity

Are you looking for a low-cost loan with affordable payments? The Small Business Administration’s “flagship” program, the 7(a) loan, is one of the most affordable and secure... Read More
Marketing
June 07, 2021

Small Business Marketing Strategies for 2021

It’s safe to say that the small business landscape will never be the same. The coronavirus pandemic and resulting economic decline has left entrepreneurs scrambling to... Read More
Operations
May 31, 2021

Best Books for Entrepreneurs During the 2021 Pandemic

The esteemed literary giant Dr. Seuss had these words to say about reading: “The more that you read, the more things you will know. The more that you learn, the more... Read More
Business Loans
May 24, 2021

Restaurant Revitalization Funding Grants (RRFG) Now Available

It’s not a surprise that restaurants have been hit harder than any other industry during the pandemic. Although restaurant owners have access to emergency funding... Read More
Operations
April 29, 2021

12 Responsibilities of a Small Business Owner

Running a business comes with exciting opportunity, flexibility, and independence, but it’s also a major role to take on. Depending on your unique business situation,... Read More
Money Management
April 29, 2021

Business Debt Management: Everything You Need to Know

The average US small business owner carries $195,000 of debt, according to a study by Experian. While some debt is necessary to run a successful business, expensive or... Read More
Operations
April 26, 2021

Business Growth Plan: The Comprehensive Guide

Here are the factors that should be included in a business growth plan. Pulling together the information below will give insight into your business today and serve as... Read More
Operations
April 21, 2021

19 Ways to Improve Business Operations the Smart Way

Each day presents a new opportunity to strengthen your business operations and move your company forward. It can be tough to know where to concentrate your energy. Our... Read More
Operations
April 21, 2021

16 Small Business Organization Tips Every Small Business Owner Should Know

A productive business starts with an organized workflow. The less time you’re dedicating to basic tasks, the more you’ll have free to grow your operations. ... 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.