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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
April 12, 2021

Small Business Loans for Food Trucks

The 2010s were a great decade for food trucks. From 2014 to 2017, the food truck industry’s revenue grew by 300% and surpassed $2 billion. In that same period, food truck... Read More
Business Loans
April 12, 2021

Small Business Loans for Direct Sales

Between 2015 and 2020, the direct sales industry grew an additional 1.5 percent and reached a market size of $66 billion. These figures are just two reasons why now might be... Read More
Business Loans
March 09, 2021

NAICS Codes for Gig Economy Workers: How to Locate, What it Means, Why it’s Important

The North American Industry Classification System (NAICS) are 6-digit codes that classify businesses by the type of activity they are engaged in to facilitate the... Read More
Business Loans
March 05, 2021

Small Business Loans for Liquor Stores

As consumers appetite for craft beers and specialized liquors increases, it’s no surprise that more and more liquor store owners are seeking funding to rebuild during the... Read More
Business Loans
November 11, 2020

Loss Payee Endorsement: A Detailed Guide

As a small business owner seeking Small Business Administration (SBA) loans, you might encounter some unfamiliar terms during the application process. Among these... Read More
Business Loans
October 07, 2020

First Time Business Owner Loans: 6 Best Loans For First Time Owners

Banks generally don't hand out loans to borrowers except those with great qualifications. New business struggle finding first-time business loans because of the higher... Read More
Business Loans
September 17, 2020

EAR vs. APR: What are the Differences Between EAR and APR?

If you're in the market for a business loan, you've probably seen a dizzying array of acronyms like APR, APY, and EAR. Understanding the subtle difference between them... Read More
Business Loans
August 24, 2020

Black Business Funding: Top Financing Options

Good news: There are now more than 8 million minority-owned businesses in America. Bad news: Minorities are still having a much harder time accessing small business... Read More
Business Loans
July 14, 2020

Small Business Working Capital Loans: The Best Options

If you’re in need of working capital to keep your business humming along, a low-cost loan can be a great solution. Here’s what you need to know about how a small... 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.