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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 Marketing
September 30, 2020

Millennial Marketing Strategy: Ideas to Win Over New Customers

Today's marketing teams have a wide range of tools at their disposal. From traditional strategies like print or television advertisements to contemporary or guerilla... Read More
Business Marketing
September 30, 2020

Market Expansion Strategy: What You Need To Know

Expanding into a new market is an excellent way to increase sales for your current line of products and services. However, it's important to approach the initiative... Read More
Employee Management
September 30, 2020

What Is Employee Absenteeism And How To Reduce It

Employee absenteeism can have a substantial impact on a company's productivity and ability to achieve organizational goals effectively. By taking steps to reduce... Read More
Emergency Resources
September 28, 2020

Small Business Sick Leave Guide

With the coronavirus still heavily impacting America, business owners are faced with essential workers needing time off. Additionally, the flu season slated to arrive... Read More
Business Finances
September 22, 2020

Profit Margin On Sales Ratio: How To Boost Your Profit Margin

Looking at your profit margin is among the quickest and simplest ways to gauge the health of your small business. Profit margin details how much of your revenue stays... Read More
Business Finances
September 22, 2020

Inventory To Sales Ratio: Seven Things To Know

The inventory to sales ratio, sometimes known as the inventories to sales ratio or inventory as a percentage of sales, compares the value of the items you keep in... Read More
Business Finances
September 22, 2020

Net Sales vs Net Income: Four Main Differences You Should Know About

Just as the distinction between cash flow and profit can be murky, the terms “net sales” and “net income” are often falsely conflated. To create an accurate financial... Read More
Business Owners
September 22, 2020

SmartBiz CEO Talks National Small Business Week

This year’s National Small Business Week is unlike any the United States has experienced. Originally slated for May 3 - May 9, Small Business Week was postponed... Read More
Business Finances
September 22, 2020

Interim Financial Statements: The Fundamentals

Like any good small business owner, you likely want to know how your business is performing on a regular basis. You can use interim financial statements for exactly... 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.