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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 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
Money Management
August 08, 2023

What Are Financial Ratios? 9 Examples and Use Cases

Let’s say you’re bringing in more revenue than ever, but you’re still a ways off from covering all your expenses. Maybe you need more working capital to cover these costs –... Read More
Business Loans
August 03, 2023

7 Tips on How to Write a Business Loan Request Letter

One of the toughest aspects of applying for a traditional bank or small business loan is the numerous hoops borrowers generally must jump through to qualify. From gathering... Read More
Business Loans
July 31, 2023

5 Safe Funding Options for Your Small Business

Finding it difficult to finance your big idea? Don’t let the lack of capital choke your aspirations. Here are 5 practical ways to help you bridge the gap from an idea... Read More
Business Loans
July 28, 2023

Tips to Help Small Business Borrowers Maximize Their Borrowing Power

Outside funding is often a vital ingredient for a small business’s growth and success. Whether you’re looking to expand your operations, invest in new equipment, or weather... Read More
Business Loans
July 25, 2023

5 Reasons You Can’t Get an SBA Loan

It’s no secret that SBA (Small Business Administration) loans are a great deal. With lower interest rates, longer repayment terms, and low monthly payments, SBA loans... Read More
Business Loans
July 20, 2023

5 Signs That a Business Loan May Be a Smart Decision

We often hear the question, “If my business is profitable, why would I need a loan?” While it sounds counterintuitive, there are typically many reasons a thriving company may... 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.