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SmartBiz - Business Blog

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

Explore Our Resources

Operations
September 17, 2020

1099 or W-2: Which Is Better For An Employee?

Congratulations on your new hire! Whether this is the first or 20th employee you’re adding to the payroll, you have some important decisions to make, including... Read More
Money Management
September 07, 2020

How To Ask Customers To Pay Their Outstanding Balance

Your cash flow depends on invoices being paid in a timely manner. However, not every client or customer will pay the money they owe you on schedule. If asking for... Read More
Business Loans
August 24, 2020

Black Business Funding: Top Financing Options

Good news: There are now more than 8 million minority-owned businesses in America. Bad news: Minorities are still having a much harder time accessing small business... Read More
Business Stories
August 18, 2020

Business Story | TriFytt Sports

Before SmartBiz, Andrew had credit card and short term loans with interest rates as high as 20%. With two SBA loans, he’s paid off high interest debt and funded... Read More
Money Management
July 27, 2020

How to Calculate Total Current Assets

The current assets formula, sometimes called the total current assets formula, is a key indicator of your business's short-term financial health. Your goal should be... Read More
Business Loans
July 14, 2020

Small Business Working Capital Loans: The Best Options

If you’re in need of working capital to keep your business humming along, a low-cost loan can be a great solution. Here’s what you need to know about how a small... Read More
Money Management
July 06, 2020

Bookkeeping vs. Accounting: Main Differences & Similarities

Every business owner should know that although accounting and bookkeeping accounting are both important business functions, there are differences. Both accountants and... Read More
Business Loans
June 18, 2020

Can I get an SBA 7(a) loan if I already have an Economic Injury Disaster Loan (EIDL)?

Have you received an SBA Economic Injury Disaster Loan (EIDL) to support you through the coronavirus economic downturn? If so, you have additional options to help... Read More
Marketing
May 28, 2020

How To Get A Minority Owned Business Certification

If you are a minority business owner, one step you can take to expand your business is to become officially certified. Corporations, the federal government, and state... 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.