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SmartBiz - Business Blog

How to Determine the Right Type of Small Business Loan for Your Company

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Money Management
August 21, 2024

Mastering Small Business Cash Flow Management

Every small business owner knows the tension of watching the numbers. Cash flow—how money moves in and out of your business—may be the difference between thriving and just... Read More
Money Management
June 03, 2024

Small Business Guide to Filing a Beneficial Ownership Report

Effective January 1, 2024, many companies in the United States must report information about their beneficial owners—the individuals who ultimately own or control the... Read More
Money Management
November 15, 2023

Loan Proceeds and Scaling for the Holidays

Here comes the holidays! Are you and your business prepared? Scaling for a busy season may be stressful but there are strategies to get your small business up to speed and... 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
Money Management
July 06, 2023

Cash Flow vs. Profit: What's More Important?

When it comes to the financial health of your business, both cash flow and profit generally play vital roles. However, they are not the same thing. To thrive, a successful... Read More
Money Management
June 30, 2023

Tax Deductions for Small Businesses: 12 Areas to Consider

Many of us may have heard a horror story about someone who got audited, which typically costs a lot of time and money. Because of that fear, small business owners are... Read More
Money Management
June 12, 2023

Small Business Operations: Managing Billable Hours and Expenses

Let’s say your company sells products. In that case, you make the product, set its price to make a profit, and sell it. Your profit typically doesn’t vary with the time you... Read More
Money Management
May 16, 2023

Why Does Your Business Need a DUNS Number?

If you're a small business owner, you may have heard of a DUNS Number and wondered if your company needs one. In short, the answer is typically yes. A DUNS Number is a unique... Read More
Money Management
May 04, 2023

The Benefits of Long-Term Debt

Long-term debt may be a great tool for small businesses to use in order to grow and sustain their operations. Through long-term debt, businesses may be able to finance... 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.