SBA LOAN CALCULATOR

Estimate loan amount and payments

SBA Loans Made Easy^®

Quickly estimate monthly payments of an SBA loan by using the slider to select your working capital or debt refinance loan amount.

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^*Interest rates are determined by the applicant's loan size, credit profile and are subject to credit approval. This calculator is an educational 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 and subject to credit approval.

Why SmartBiz?

We’ve transformed small business banking into something that works specifically for small businesses. From pre-qualification through approval, we’re with you every step of the way. We offer an unparalleled banking experience by providing both cutting-edge technology and personalized customer support.

We’re your SBA lending partner—making the complex clear and the process seamless.

With longer repayment terms and lower rates, SBA-backed loans offer excellent value when you need funding to grow your small business.

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Small Business owners - bar and restaurant

How it works

Complete one single, streamlined application

Enter your business and financing details to see if you pre-qualify in five minutes, with zero impact to your credit score.¹

The right financing, customized just for you

Our team and technology work together to recommend the right financing options for your specific needs.

Connect with a Specialist

Once you qualify, we will reach out to get you started on the application process and support you from start to submission.

Access your capital and put it to work

After application approval, you can use your funds to cover operational costs or take advantage of growth opportunities.

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Trusted & Loved

Our customers say Excellent

4.6 out of 5 based on 16,367 reviews

"Fast, efficient, sharp and thorough"

“Just want to give a shout out to Kenneth Berlin. He was my point of contact . He was fast, efficient, sharp and thorough. His guidance and expertise were reassuring, especially considering the overwhelming world of lending . For your business lending needs, Kenneth will be your advocate. My team thanks him too.”

Frances A.

"Thanks to SmartBiz we have freed up the capital we need to continue growing."

“Our healthcare business had been growing very quickly over the past 4 years. We had been using short term financing to fill our financial needs during this period, but it was becoming too expensive. We turned to SmartBiz for help and they delivered! We would like to recognize Chris Schreiber on their team for all of the work he put in to get this SBA loan approved. Thanks to SmartBiz we have freed up the capital we need to continue growing.”

Michael B.

"I'll be a repeat customer."

“From day one, Zachary was transparent, knowledgeable, assessed my company quickly regarding being qualified for SBA loan, and provide clear and consistent communication regarding the process. I've already referred him to multiple business partners and I'll be a repeat customer as well.”

Arian J. P.

1. We conduct a soft credit pull that will not affect your credit score. However, in processing your loan application, SmartBiz Bank and 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 may impact your credit score.

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