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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
August 30, 2023

Understanding Different SBA Programs and Loan Terms

An SBA loan offers fast, flexible funding to help you grow your small business. But, there is more than one type of SBA loan, and each has their own set of terms and... Read More
Operations
August 29, 2023

How to Choose A Payment Processor For Your Small Business

Choosing the right payment processing service is among the biggest decisions a small business owner can make. A bad processor may literally drive you out of business with... Read More
Business Loans
August 24, 2023

Making Sense of the SBA Guarantee Fee

A Small Business Administration (SBA) loan is generally regarded as one of the better options for financing for small businesses. SBA loans are government-guaranteed loans... Read More
Operations
August 22, 2023

5 Hiring Tips for Every Small Business

Small businesses have reported record high levels of job openings this year, positively impacting job growth following the pandemic. Are you in a position to add staff?... Read More
Operations
August 17, 2023

12 Best Small Business Apps to Download

If you’re a busy small business owner, you probably have limited time to scour the Internet for the latest apps. We’ve done the browsing for you! From payroll to... Read More
Business Loans
August 16, 2023

5 Ways Successful Companies Can Benefit from a Loan

A good loan can be a lifesaver, helping your business get out of a tight spot and back on its feet. But if your company is running smoothly and successfully there’s no... Read More
Business Loans
August 14, 2023

Managing Cash Flow with a Business Line of Credit: Tips and Best Practices

If you aren’t sure exactly when you will need extra funds or what you will need it for, a business line of credit may help you manage cash flow. Here are some practical tips... Read More
Business Loans
August 11, 2023

Choosing the Right Financing Option: Comparing SBA Loan vs. Bank Term Loan vs. Line of Credit

When it comes to choosing the right financing option for your small business, it may be hard to know where to start. Comparing three different financing options may help you... Read More
Marketing
August 09, 2023

Supporting Black Businesses: More Important Than Ever

In the wake of a global pandemic, Black-owned businesses soared to new heights. According to Fortune®, the rate of Black business ownership in the United States rose 38% from... 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.