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The smarter source for small business loans

Get the capital you need to grow through SBA Loans, Bank Term Loans, Lines of Credit, and more fast and flexible financing options.

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Only takes 5 minutes and doesn't impact your credit score1

Access to the right loan for right now

See if you pre-qualify, without impacting your credit score.1


SBA Loans

Lower interest, lower monthly payments.

How do SBA loans work?
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Bank Term Loans

Shorter terms, faster delivery of funds.

Learn about bank term loans

Line of Credit

Flexible funds and a low monthly payment.

Discover more

How much do you want to borrow?

Use the slider to select your working capital or debt refinance loan amount.4

The smart capital you need to grow

We’re proud to be the leading AI-powered financing platform connecting small businesses with SBA, bank term loans, and flexible financing options.

Need working capital?

Find funds to increase inventory, staff up, or expand your business.

Adapting to the new normal?

Smooth out your daily operations and start future-proofing.

Refinancing debt?

Save on high-interest debt to increase your monthly cash flow.

By the numbers

$9 Billion2
Delivered to small businesses
#1 Facilitator3
In SBA 7(a) Loans < $350k
Entrepreneurs funded

One intuitive application quickly connects you with the right capital for your business

Simply tell us about your business and goals, and our technology will take care of the rest. No faxing, printing, or mountains of paperwork required.

Get Started
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You'll review loan offers from our network of banks and trusted lenders within minutes

Our automated process makes it easy for you to find the right small business loan for right now, and our dedicated professionals are always on hand to help walk you through the details.

See if you pre-qualify

America’s banks partner with SmartBiz to serve their small business customers

By bringing together exceptional finance professionals and industry-leading AI, we help banks find new small business loan applicants and enable them to offer a superior customized lending experience. We innovate alongside them to equip every entrepreneur with reliable access to smart capital.

Here's how our tech made us the most trusted and utilized network for small business loans 

Learn More
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Trusted & Loved

Second to none

My experience with SmartBiz was tremendous…very easy to work with and follow through was second to none. I would highly recommend them to any business owner.

Mark H

Excellent follow up and professionalism.

Excellent follow up and professionalism. Almost too good to be true, but it was true!


Fantastic Experience!

An excellent company to help small businesses to get funding.

Anthony Barfield

Have 5 minutes? Apply online

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

Smart growth is smart business

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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. 

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