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Small Business Blog

How to Determine the Right Type of Small Business Loan for Your Company

Explore Our Resources

Business Owners
November 07, 2018

The 10 Best Business Magazines Every Entrepreneur Should Read

Busy business owners have tons on their plate. From managing cash flow to employee hiring, there’s not much time to consume information and seek out inspiration.... Read More
Business Credit
November 06, 2018

Annual Percentage Rate Formula and Calculation

When evaluating different business loan options, annual percentage rates (APRs) can help you make an informed decision. Here’s what you need to know about this number... Read More
Business Technology
November 05, 2018

Small Business Tech Without Breaking the Bank

Upgrading your business is vital if you want to keep up with customer demands and market competition. However, keeping your technology up to date and on trend may... Read More
October 31, 2018

Business Debt Usage | SmartBiz Advisor

Learn what business debt usage is, how it’s calculated, and why it matters to lenders. Plus, see where you can find personalized insights and recommendations based on... Read More
Business Credit
October 26, 2018

Pros and Cons of Credit Cards

According to the SBA, 65 percent of small businesses regularly use credit cards. Despite credit card debt having a bad reputation, using a card for funds isn’t always... Read More
Business Owners
October 24, 2018

How to Choose the Best Shipping Provider for Your Small Business

Shipping can make or break a small business. The right provider will depend on your industry, client needs, the weight of the product, the product itself, and of... Read More
Employee Management
October 22, 2018

7 Things a Business Owner Needs to Know About Hiring

As a business owner, you know that a big part of your success rides on your employees and their performance. Therefore, it is critical to hire competent staff members... Read More
Business Credit
October 17, 2018

What is a Good APR and How to Improve It

Understanding the true cost of your business financing can be tricky, especially when there are so many ways to interpret the different rates and percentages. What... Read More
October 16, 2018

Personal Credit | SmartBiz Advisor

Ever wonder why banks request your personal credit in a business loan application? Learn why the score matters and the 5 main factors a lender takes into account to... 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.