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SmartBiz Team

SmartBiz Team

Our team


We’re a diverse and distributed team of technologists working together to transform small business banking. We’re making bold moves and scaling quickly under the committed leadership of an executive team working on behalf of entrepreneurs and the forward-thinking banks that serve them.


How we work


Our core values help enable us to pursue an ambitious and important vision and to make an immediate impact in the lives of the entrepreneurs we serve. We believe in diversity of thought and perspectives, which is why we rotate authors on our team to ensure our blog content reflects varying viewpoints. This allows each SmartBiz team member to contribute to providing valuable resources to small business owners.

About the SmartBiz Editorial Process

Our writers and editors work hard to provide the most accurate and up-to-date blog posts. Our editorial process reflects our vision and standards and applies to all content. Learn more about how we write, edit, and fact check our posts:

Editorial Process ›

Business Finances
July 08, 2021

Small Business Failure Rate: Why Do They Fail?

It's often reported that more than half of small businesses fail during their first year in operation. However, Small Business Administration (SBA) data on business... Read More
Small Business Loans
July 07, 2021

What is the SBA’s Community Navigator Pilot Program?

Although the Paycheck Protection Program has concluded as of the end of May 2021, the Small Business Administration (SBA) has not stopped efforts to help small... Read More
Business Credit
July 06, 2021

How to Establish Business Credit: 8 Steps to Building Business Credit

Establishing business credit is important for an entrepreneur. But do you know what the term “business credit” means and how you can establish yours? Below, learn more... Read More
Business Finances
June 29, 2021

Lean Business Planning and Your Small Business

Do you have a business plan? If not, you’ll be happy to hear that there is a “lean” alternative to creating an in-depth small business plan. A lean business plan is a... Read More
Emergency Resources
June 28, 2021

Coronavirus Face Mask Requirements and Reopening Information 2021

In late May, Chipotle, Starbucks, CVS, and Target announced that they won’t require fully vaccinated customers to wear masks inside stores, except when required by... Read More
Business Owners
June 23, 2021

Small Business Mistakes to Avoid in 2021 and Beyond

With all of the turmoil affecting small businesses across America, entrepreneurs are understandably scrambling to stay above water and rebuild. With the consumer... Read More
Business Marketing
June 21, 2021

Top 6 Small Business Promotion Ideas in 2021

What a year! 2020 presented challenges that caught many small business owners unaware. The coronavirus pandemic has changed the economic landscape and entrepreneurs... Read More
Business Finances
June 15, 2021

Quick Ratio Formula for Small Business: Definition, Formula and Examples

Knowing the current financial health of your business is essential for making good short-term decisions, and one of the short-term liquidity measurements used is the... Read More
Emergency Resources
June 14, 2021

How to put Curbside Pickup in Place for Your Small Business

Although coronavirus vaccines are being given to countless Americans, there are mask and social distancing guidelines still in place. Retailers with a brick and mortar... Read More

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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.