SBA Loans

Lower interest, lower monthly payments

We’ve helped more small business owners like you secure SBA loans than any other platform.

Interest Rates

11.25% - 12.25%¹

SBA Loan Amounts

$30,000 - $500,000

Repayment Terms

10 years

See if you pre-qualify

Only takes 5 minutes and doesn't impact your credit score²

A small business loan with big value

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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10-year repayment terms with low monthly payments

$30,000 - $500,000 for working capital and debt refinancing

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

Compare offers from our network of banks and trusted lenders

How much do you want to borrow?

Use the slider to select your working capital or debt refinance loan amount.³

See if you pre-qualify

Automated and on your side

Our mission is to equip every entrepreneur with reliable access to the smart capital they need to grow. We’ve taken the long, complicated process of applying for funding and streamlined it for the way you do business today. One single application is powered by intuitive technology and an exceptional team dedicated to finding you the right financing offers, without wasting your valuable time. We’re proud to be the leading financing platform connecting small businesses with SBA, bank term loans, and flexible financing options.

Frequently asked questions

We'll go over the costs, qualifications, use of proceeds, and more to help you determine if this type of loan is the best option to fund your small business.

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?

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?

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?

Our network of trusted banks and lenders includes many options for businesses that don’t yet qualify for SBA loans. Typically there is no need to fill out more than one application, we’ll present you with other financing offers.

Learn more

We understand the SBA process so you don’t have to. We became the #1 facilitator of SBA loans because our technology and team make the application process simple and easy to navigate. After you start your application, we’ll walk you through every step and answer your questions along the way. But if you’d like to do a little research before you begin, you can learn more here:

Trusted & Loved

Awesome process!!!!

“Smartbiz Loans was absolutely Fantastic to work with them . Process was expedient & flawless . Digital customer service kept us informed as to the status & expected time frames regarding approval & receiving funds . We could not be more pleased with exceptional handling of our loan !!!”

Kelly Heard

Fantastic Experience!

“An excellent company to help small businesses to get funding.”

Anthony Barfield

Prompt and pleasure to work with.

“Loan Application Made Easy AND Enjoyable. Working with SmartBiz Loans made applying for an SBA loan quick and easy. Their team was prompt, professional, and a pleasure to work with. I want to apply for more loans just to be able to work with them again!”

Chad N

Meet the 2022 SmartBiz Grant Awardees

The recipients each received a $5,000 award and were chosen from a pool of eligible minority, women, or veteran-owned U.S. businesses.

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SmartBiz Awards $25,000 in Grants to Minority-Owned Small Businesses in 2021

The Program was established to support minority, women, and veteran business owners to help equip entrepreneurs with reliable access to smart capital.

Keep reading

Have 5 minutes? Apply online

See if you pre-qualify without impacting your credit score.²

Get Started

SBA loans offered from banks in the SmartBiz lending network have a variable rate of Prime Rate plus 2.75% to 3.75%.
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.
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.

* Interest rate depends on loan term, business borrower credit score, and financial profile.