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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 17, 2020

Billable Expense Income: 6 Main Sources of Billable Expense

Small business owners wear many hats, accountants being one of the most important and most overwhelming among them. Staying on top of revenues and expenses is... Read More
Money Management
September 17, 2020

Negative Retained Earnings: Definition, Impacts, and Effects

Your business’s balance sheet is filled with figures that spell out your business’s financial health. It may be tempting to keep things simple with a final profit or... Read More
Money Management
September 07, 2020

How To Ask Customers To Pay Their Outstanding Balance

Your cash flow depends on invoices being paid in a timely manner. However, not every client or customer will pay the money they owe you on schedule. If asking for... Read More
Money Management
July 27, 2020

How to Calculate Total Current Assets

The current assets formula, sometimes called the total current assets formula, is a key indicator of your business's short-term financial health. Your goal should be... Read More
Money Management
July 06, 2020

Bookkeeping vs. Accounting: Main Differences & Similarities

Every business owner should know that although accounting and bookkeeping accounting are both important business functions, there are differences. Both accountants and... Read More
Money Management
March 19, 2020

2020 Tax Tips and Deadlines

What does the month of March mean to you? For some, it’s St. Patrick’s Day or spring break. But if you’re a small business owner, you’ll need to know the following... Read More
Money Management
May 24, 2019

5 Most Important Financial Policies and Procedures for Small Business

A policy is a written set of ideas or plans used to make decisions. No matter what type of business you own, there are lots of workplace policies you should have in... Read More
Money Management
May 21, 2019

10 Rapid Business Growth Problems You Should Be Aware Of

Fast-growing businesses can face financial, legal, staffing, and supplier issues. Don’t get blindsided, check out these rapid growth problems and tips on how to avoid... Read More
Money Management
November 13, 2018

Cash Flow Templates in Excel

Cash flow statements help small business owners identify liquidity, the strengths and weakness in terms of the cash flowing in and out of accounts. Here’s how you can... 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.