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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
July 04, 2022

How to Qualify For A Small Business Loan in 5 Steps

When seeking business funding, it is best to apply for a loan with the lowest rate and longest terms. After all, you want the proceeds to help you reach your business... Read More
Business Loans
June 28, 2022

What is the Federal Reserve System? What You Should Know

Interest rate hikes are a hot topic these days. When the Fed adjusts interest rates, it touches almost every part of the economy. Two interest rate hikes have already... Read More
Business Loans
June 21, 2022

Small Business Loan Application: 7 Standard Questions Asked

The small business loan approval process can be complex. Before you start an application, it’s a good idea to be as prepared as possible. Generally, small business... Read More
Business Loans
June 10, 2022

What Does the SBA Loan Processing Time Look Like?

A U.S. Bank study tells us that about 82% of businesses fail due to poor cash management. While responsibly managing cash flow involves a number of facets, one avenue... Read More
Business Loans
June 09, 2022

SBA Loan vs Commercial Loan 2022: How Do They Compare?

Somewhere in the neighborhood of 600,000 small businesses launch in the United States every year. And within the first two years, 20% of them will likely collapse.... Read More
Business Loans
June 08, 2022

Why Did Your SBA Loan Get Denied? 6 Potential Reasons

Did your SBA loan get denied? You might not even know why. Most often, though, it’s one of a few common reasons. Here are some reasons why your SBA loan didn’t get... Read More
Business Loans
June 02, 2022

Types of Funding For Small Businesses: 12 Great Options

Let’s say your bank account lacks enough cash for payroll, a commercial real estate purchase, or anything in between. In that case, one of the many types of funding... Read More
Business Loans
May 31, 2022

Small Business Loan For an Online Business: A Quick Guide

The process of getting a small business loan for an online business is mostly the same as if you run an in-person operation. If anything, both types of businesses face... Read More
Business Loans
May 31, 2022

Six Types of SBA Loans: A Comprehensive Overview

You’ve probably heard that there are several types of SBA loans available when seeking funding for your small business. While it may take time to find the right loan for your... 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.