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Small Business Blog

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

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Business Stories
February 07, 2018

Los Primos Auto Sales

The SmartBiz Loans™ team is thrilled that we were able to help a Southern California small business owner obtain a low-cost SBA loan. We recently caught up with the founder... Read More
February 05, 2018

Business Credit and Personal Debt

Does your small business need working capital? Perhaps you want to refinance expensive debt. Maybe you’re in the position to purchase or refinance owner-occupied commercial... Read More
Business Owners
January 31, 2018

10 Green Hacks For Small Businesses

Modern small businesses are a serious driver of growth, and some estimates peg the net benefit of going green at upwards of $15 billion over a decade. Read More
January 30, 2018

Business Debt Usage 

Are you looking for a low-cost loan to grow your business?There’s a question every applicant should ask before they jump into the process: “Is my business loan ready?” Read More
Business Owners
January 23, 2018

Mentoring Month: Strengthen Your Small Business

As a small business owner, have you worked with a mentor? If not, Mentoring Month, held annually in January, is a great time to explore this opportunity that can help... Read More
January 22, 2018

Your Personal Credit Score: What It Is, Why It’s Important

Ready to secure funding to spark growth for your small business? An infusion of low-cost funds can be key to the future success of your business. Read More
January 17, 2018

Fico SBSS: What's Your Business Credit Score

We often interview small business owners who have received an SBA loan through our banking partners to learn about their entrepreneurial journey and keys to success. ... Read More
January 09, 2018

What is Business Debt Coverage?

Are you looking into outside financing to grow your business? If so, there are several financial ratios used by banks to assess the health of your business.Read on to learn... Read More
January 03, 2018

Combined Debt Coverage and Why it Matters to Banks

At SmartBiz Loans, we’re sharing important information you need to know to get SBA loan ready. No longer a mystery, we have identified 7 key metrics lenders consider before... 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.