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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
September 12, 2022

Break-Even Analysis: What it is and How to Calculate it

When you’re starting or growing your business, you want to have the tools in place to forecast future financial circumstances. This means better understanding when... Read More
Money Management
September 08, 2022

How to Lower Your Bills: 12 Ways to Reduce Monthly Costs

Here is the scenario: You sit down to review your company’s spending over the last few months and you see numbers much higher than you’re used to. You wonder right... Read More
Money Management
August 26, 2022

Do You Have a Business Continuity Plan (BCP)? Here's What to Know

In business, as in life, anything can happen at any time. Some can be great, like an unexpected interest in your products or services from a high-paying potential... Read More
Money Management
August 22, 2022

How to Calculate Year-Over-Year Growth and Why it’s Important

There are several ways to track how your company is succeeding and where it needs improvement. Year-over-year growth is among the most reliable of these measures,... Read More
Money Management
July 25, 2022

Test Your Business Credit Score IQ

If you’re a small business owner in need of funding, there are ways to improve your chances of getting approved for a loan. One thing lenders review is your business... Read More
Money Management
July 18, 2022

Pros and Cons of Cosigning a Loan: Things to Consider

Cosigning a loan is a significant financial decision that you shouldn’t take lightly. On one hand, they’re an excellent way to help a loved one rebuild bad credit,... Read More
Money Management
July 14, 2022

Invoice Financing vs. Factoring: What Are the Differences?

Although SBA loans and bank term loans can fulfill most traditional small business needs, some borrowers may prefer loans based on their future cash flow. Such... Read More
Money Management
April 24, 2022

How to Manage Business Finances in the Most Efficient Way

Managing a business and making it successful requires more than just a quality product. Good financial sense and planning are often the foundation of long-term success... Read More
Money Management
April 03, 2022

What is Working Capital? Definition and Key Information

Working capital is the lifeblood of any small business. SmartBiz customers often use SBA 7(a) loan proceeds for working capital to spark growth. Here’s what you need... 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.