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  • Financing solutions

    Connecting small business owners with financing solutions

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    Grow efficiently with low-interest SBA loans - tailored for small businesses.

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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 22, 2020

7 Customer Appreciation Gift Ideas

Keeping your clients and customers engaged is key to repeat business. Customer appreciation gifts are a tried-and-true method of strengthening relationships with the... Read More
Business Owners
September 22, 2020

Partnership Vs. S Corp: Differences You Should Know About

When starting a new small business, you may want to figure out whether an S-corporation or partnership is a better business structure for you. Your choice can be... Read More
Emergency Resources
September 21, 2020

How to Sell to Customers During a Global Crisis

There’s a lot of panic in the U.S., with good reason. During the 2020 COVID-19 pandemic, most businesses are not operating “as usual”, which means your sales tactics... Read More
Business Finances
September 18, 2020

Customer Financing: Advantages and Disadvantages

Your business is set up and you’re ready to bring in customers. However, your potential customers are walking away (or abandoning their carts) without finalizing their... Read More
Employee Management
September 18, 2020

6 Top Tips for Internal Communication Plans

Every business needs to effectively communicate internally in order to maintain operations, collaborate between departments, foster company culture, and communicate... Read More
Business Finances
September 18, 2020

Budget Forecasting: How Can This Strategy Boost Your Business?

Any small business has its recurring expenses, like office rent, employee payments, and software. As business operations change from one year to the next, it can feel... Read More
Business Finances
September 18, 2020

Business And Personal Finance: 7 Tips For Separating Your Finances

When putting the financial management in place for your business, one important step shouldn’t be ignored. Separating personal and business finances helps simplify... Read More
Employee Management
September 18, 2020

How To Pay Your Employees: 8 Steps to Process Payroll

As your business grows, you'll eventually reach a point where you can no longer do it all by yourself. Hiring employees will become necessary for any flourishing small... Read More
Small Business Loans
September 17, 2020

EAR vs. APR: What are the Differences Between EAR and APR?

If you're in the market for a business loan, you've probably seen a dizzying array of acronyms like APR, APY, and EAR. Understanding the subtle difference between them... 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.