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SmartBiz - Business Blog

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

Explore Our Resources

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
Money Management
September 03, 2018

Finding the Right Credit Card for Your Small Business

Small business credit cards help fund small to midsize businesses. In a report from the American Bankers Association, small businesses with business credit cards had... Read More
Money Management
September 28, 2017

Build and Manage Your Personal Credit Scores

As a small business owner, you might not think that your personal credit score is important. However, a good personal credit score is required is you want to secure low-cost... Read More
Money Management
June 28, 2016

Credit Scores: Hard Inquiries vs. Soft Inquiries

If you’re seeking a loan for your small business, you’ll want to get funds when you need them at the lowest price available. The absolute best way to assure that is to... Read More
Money Management
May 25, 2016

How to Calculate Small Business Cash Flow

Unless you’re a financial professional, tracking cash flow can seem like an overwhelming task. However, calculating your cash flow is critical to running a successful... Read More
Money Management
February 13, 2016

SBSS Score: What Is It and How to Improve It?

When applying for an SBA loan, your SBSS Score has a big impact on whether your application is accepted or rejected. If you’ve never heard of the SBSS Score or are... 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.