How It Works
The right capital for you, right now
Access to the right financing options for your business through one application.
Only takes 5 minutes and doesn't impact your credit score1
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We connect you with the loan that’s right for you
See if you pre-qualify, without impacting your credit score.1
We take your privacy seriously
- Bank-level 256-bit encryption protects your personal data.
- Trusted by more than 230,000 American entrepreneurs.
- And we’ll never (ever) sell your information to marketers.
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Frequently asked questions
Who can apply for a loan with SmartBiz?
Most U.S. based small businesses older than 2+ years are eligible to apply. Successful applicants can prove they are able to make a monthly loan payment. SmartBiz connects many businesses that don’t yet qualify for SBA or bank term loans with custom financing solutions.
Which type of loan is right for me?
The fastest way to find out which type of financing is best for your business is to apply. Our intuitive application assesses your unique profile, needs, and challenges and presents you with the best solutions for your specific situation.
What do I need to have ready before I apply?
You can start your application right now and see if you pre-qualify before gathering any documentation at all. Our smart technology requests only the documents you actually need.
How much will this cost?
SmartBiz does not charge customers for applying or processing their SBA loan application. Successful applicants will be charged one-time fees by the lender and SBA. Bank Term loans offered through SmartBiz include a 3% referral and 3% package fee. Any fees charged by our custom financing lending partners will be disclosed by the lender. All fees, as well as closing costs, are charged only on funded loans and deducted at the time of funding.