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- About us We’re your dedicated small business financial partner.
SBA LOANS
Lower monthly payments and longer repayment terms
We’re streamlining SBA lending and guiding you through the process.
Only takes 5 minutes and doesn't impact your credit score1
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A small business loan
with big value
With longer repayment terms and lower rates2, SBA-backed loans offer excellent value when you need funding to grow your small business.
10-year repayment terms with low monthly payments
$50,000 - $500,000 for working capital and debt refinancing3
SBA-capped variable rates with some of the lowest available APRs
Eligible business owners are U.S. citizens or legal permanent residents
Must be 2+ years in business with good credit and cash flow to qualify
How much do you want to borrow?
Use the slider to select your working capital or debt refinance loan amount
This calculator is an educational tool meant to help you estimate monthly payment amounts based on the information you enter. The monthly payment amount provided is an estimate meant for illustrative purposes only; loan sizes, interest rates, and loan terms vary and are determined by the applicant's loan size, credit profile and are subject to credit approval.
FAQs
What is an SBA Loan?
SBA loans are government-guaranteed small business loans typically made available to eligible U.S. entrepreneurs through banks and other financial institutions. With longer terms and lower rates, SBA loans provide excellent value for small businesses hoping to grow.
Am I a good candidate for an SBA Loan with SmartBiz Bank?
If your business is in solid financial health, has been operational for more than two years, and has a strong credit history, you’re likely a good candidate. The quickest way to find out is to apply.
What documents do I need to apply for an SBA Loan with SmartBiz Bank?
You can start your application right now and see if you pre-qualify before gathering any documentation at all. After that, our smart technology requests only the documents you actually need to apply.
What are my options if I’m not approved for an SBA Loan?
We work with other banks and lenders that have additional financing options available for businesses that don’t yet qualify. Typically there is no need to fill out more than one application, we’ll present you with other financing offers.
Trusted & Loved
Our customers say Excellent
4.6 out of 5 based on 16,367 reviews
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.”
"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.”
"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.”