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SmartBiz - Business Blog

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

Explore Our Resources

Business Loans
December 20, 2018

Small Business Loans for Young Entrepreneurs

Even though an MIT study found that the average age of startup founders is around 42, young entrepreneurs are frequently making headlines for launching and running successful... Read More
Business Loans
December 07, 2018

Small Business Loans for Truckers

Truck driving is one of the fastest growing jobs in America as 80% of all cargo is transported across the nation by trucks. According to the U.S. Bureau of Labor... Read More
Operations
November 23, 2018

How Many Small Businesses Are There in the US?

You’ve likely heard that small businesses are the backbone of the U.S. economy. But why? We’ve dug into the details to give you a snapshot of small businesses and... Read More
Money Management
November 13, 2018

Cash Flow Templates in Excel

Cash flow statements help small business owners identify liquidity, the strengths and weakness in terms of the cash flowing in and out of accounts. Here’s how you can... Read More
Business Loans
October 24, 2018

How to Determine Use of Proceeds with an SBA Loan

SBA 7(a) loans are generally regarded as the gold standard in the small business lending industry. SBA loans have long terms, low rates, and low monthly payments, making them... Read More
Business Loans
October 09, 2018

Long-Term Business Loans: Best Options for Growth

Considering a long-term loan for your small business? Learn why they can be the best bet for growing your small business, all about the application process, and how... Read More
Business Loans
September 12, 2018

SBA 7(a) Checklist

SBA loans are one of the best options to help business owners grow and save. These government-backed loans have low rates, long terms and very low monthly payments. However,... Read More
Money Management
September 03, 2018

Finding the Right Credit Card for Your Small Business

Small business credit cards help fund small to midsize businesses. In a report from the American Bankers Association, small businesses with business credit cards had... Read More
Marketing
August 24, 2018

7 Social Media Safety Tips for Businesses

Social media is a solid way to elevate your brand and spread the word about your products or services. If your business is interested in using social media to attract... 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.