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Small Business Blog

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

Explore Our Resources

October 01, 2018

Build Business Credit | SmartBiz Advisor

Find out what factors affect your business credit score, a metric that banks use to evaluate your business before approving your loan application. Learn where you... Read More
Small Business Loans
September 26, 2018

Small Business Equipment Loans Explained

If you’re looking to boost your business growth by purchasing new or used equipment, an equipment loan may be the financing option for you. ... Read More
Business Finances
September 24, 2018

Small Business Budget Templates for Download

A business budget is key to running a profitable small business. A budget takes a bit of time to set up and calculate but is important for financial management and... Read More
Business Marketing
September 24, 2018

How to Turn Every Event Into a Networking Opportunity

Networking is the lifeblood of most businesses. Getting your name out there and building relationships are keys to any successful business, regardless of your industry. Read More
Business Credit
September 20, 2018

6 Steps to Establish Your Business Credit

Considering applying for low-cost, long-term financing? An SBA loan through SmartBiz can be the right choice for your business. A strong business credit score will... Read More
Business Marketing
September 17, 2018

Consumer Research: The Best Options for Your Small Business

Small business owners should be constantly searching for marketing methods to find new customers and offer new services to existing customers. Conducting regular... Read More
September 14, 2018

Business Debt Coverage | SmartBiz Advisor

Business Debt Coverage is one of the key criteria lenders use to assess the financial health of your business. It reveals whether there’s enough business cash flow to... Read More
Small Business Loans
September 13, 2018

5 Steps to Apply for a Small Business Loan

Applying for a small business loan can be daunting, but we’ve put together a checklist with 5 clear steps to help you prepare. At SmartBiz®, we’ve expedited and... Read More
Business Finances
September 11, 2018

What is Annual Percentage Rate & How to Calculate It

You’ve probably encountered the term Annual Percentage Rate (APR) when considering various forms of financing. But what does the number really mean and how does it... 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.