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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
September 27, 2022

Small Business Loans in Sacramento

Sacramento is a nice city that is affordable and enjoys a comfortable climate. Named one of the nation’s most diverse cities by the U.S. News & World Report, Sacramento also... Read More
Business Loans
September 22, 2022

Small Business Loans in Illinois

Illinois is home to a large market with many opportunities for small businesses to grow and develop and is a convenient geographical location in the center of America. Read More
Business Loans
September 21, 2022

Small Business Loans in Houston

For small business owners, Houston can be seen as a dream come true. With the benefit of no state income tax, businesses have more leverage to invest in their business. Read More
Business Loans
September 19, 2022

Can You Get a Long-Term Business Loan Without Great Credit? Here's What You Need to Know

If your business goals mean you need funding, you might worry that finding loans is impossible with a low credit score. You might also know funding options available... Read More
Business Loans
September 15, 2022

Small Business Loan Repayment: 7 Easy Steps to Pay It Back

Whether you’re expanding a business or upgrading your equipment, there’s one thing that you’ll need above anything else: working capital. As the saying goes, you need... Read More
Business Loans
September 09, 2022

SBA Loans vs. Alternative Loans: What's Best for You?

As a business owner ready to expand, you’ll find a plethora of small business funding options available to you. If you tried to qualify for a traditional loan through... Read More
Business Loans
September 05, 2022

How to Fill Out a Personal Financial Statement - SBA Form 413

A Small Business Administration (SBA) loan is often one of the best types of loans for small business owners because of lower rates and long repayment terms. The SBA –... Read More
Business Loans
September 01, 2022

Business Loan Rejection: 10 Potential Reasons Why

One of the first things you’ll likely consider when starting or expanding your business is how you’ll be able to operate profitably. Many small business owners plan to... Read More
Business Loans
August 29, 2022

Short-Term Working Capital Loan: SBA CAPLines and Alternatives

If your small business needs funding, a short-term loan can help. A revolving credit line might help too. The SBA CAPLines loan program offers both these options.... 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.