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

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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 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 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
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 Credit
September 03, 2018

Finding the Right Credit Card for Your Small Business

Small business credit cards help fund small to midsize businesses. In a report from the American Bankers Association, small businesses with business credit cards had... Read More
Business Credit
October 19, 2017

National Get Smart About Credit Day

National Get Smart About Credit Day is being observed this year on October 17th. Sponsored by the American Bankers Association, this day represents a national campaign... Read More
Business Credit
September 28, 2017

Build and Manage Your Personal Credit Scores

As a small business owner, you might not think that your personal credit score is important. However, a good personal credit score is required is you want to secure low-cost... Read More
Business Credit
March 20, 2017

5 Business Credit Card Myths

Raising capital is always top of mind for entrepreneurs. If you can get it, a low cost small business loan and checking on your SBA loan qualifications are the best... Read More
Business Credit
September 09, 2016

How to Prevent Bad Credit from Blocking Your Business

Small business owners are often familiar with the role credit plays in getting their company started, but what about when you’re up, running, and open for business?... 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.