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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 ›

April 30, 2019

Every Second Counts: 3 Ways Automated Time Tracking Helps Your Small Business

For a small business, making sure that your time and your workforce’s time is mostly spent on productive and profitable activities can influence your success. ... Read More
April 29, 2019

5 Business Guru Quotes About Profits

There’s an oft-repeated notion that you can learn everything you need to know from an entrepreneurial expert and swiftly become a roaring success. Business doesn’t... Read More
April 25, 2019

Combined Debt Coverage | SmartBiz Advisor

Your combined debt coverage ratio demonstrates your ability to repay a small business loan. Find out what it means for your business, how to calculate this key metric,... Read More
April 23, 2019

Why Online Businesses Should Invest in Customer Support

Every business has two basic goals – to attract new customers and to retain the existing clients. Marketing campaigns are one way to achieve these goals, but they can... Read More
April 18, 2019

Business Revenue Trends | SmartBiz Advisor

In this video, we’re explaining what business revenue trends are, how banks calculate them, and why they matter to lenders when they evaluate your loan application. ... Read More
April 16, 2019

4 Must-Have Email Marketing Automation Strategies for Ecommerce

If you are a small business owner, take note – email marketing automation is one of the most important tools for eCommerce, and is worth investing time in. Why? Well,... Read More
April 15, 2019

7 Small Business Taxes You Need to Know About

If you own a small business, you’ll be responsible for a number of business taxes and must navigate several tax laws. Your taxes can influence decisions about how you... Read More
April 09, 2019

Small Business Finances: Dos and Don'ts

When it comes to managing your small business finances there’s a lot to take into account. To help you along your journey, here are some do’s and don’ts to consider to... Read More
April 05, 2019

How to Keep Track of Business Expenses

Can you quickly get your hands on your small business expenses? Some small business owners still use the “shoebox accounting” method of throwing everything into a... 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.