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

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Business Finances
July 18, 2022

Pros and Cons of Cosigning a Loan: Things to Consider

Cosigning a loan is a significant financial decision that you shouldn’t take lightly. On one hand, they’re an excellent way to help a loved one rebuild bad credit,... Read More
Business Finances
July 14, 2022

Invoice Financing vs. Factoring: What Are the Differences?

Although SBA loans and bank term loans can fulfill most traditional small business needs, some borrowers may prefer loans based on their future cash flow. Such... Read More
Business Finances
April 24, 2022

How to Manage Business Finances in the Most Efficient Way

Managing a business and making it successful requires more than just a quality product. Good financial sense and planning are often the foundation of long-term success... Read More
Business Finances
April 03, 2022

What is Working Capital? Definition and Key Information

Working capital is the lifeblood of any small business. SmartBiz customers often use SBA 7(a) loan proceeds for working capital to spark growth. Here’s what you need... Read More
Business Finances
April 02, 2022

10 Strategies for Business Owners to Help Save Money

If you've ever looked at methods to cut business expenses, you probably realized that it's harder than it looks. However, there are solid ways business owners can save... Read More
Business Finances
March 01, 2022

1099 Form: 5 Tips to Prevent Common Tax Filing Mistakes

Many dread the tax filing season. It can be tedious, confusing, and may lead to penalties if done incorrectly. It’s even more challenging for business owners who hire... Read More
Business Finances
February 16, 2022

How Small Business Owners Can Deduct a Home Office from Their Taxes

It’s safe to say the ongoing COVID-19 pandemic of 2020 has completely altered how Americans work. Remote work is increasingly becoming the “new normal” as many... Read More
Business Finances
January 30, 2022

Tips for a Small Business Owner Filing Your First Tax Return

If you're a newly established small business owner, chances are that you will be filing your very first tax return. Tax code can be complex. We’ve outlined helpful... Read More
Business Finances
January 28, 2022

High-Low Pricing for Small Businesses

An important element of small business ownership is how to price your products or services. However, it’s not a simple guessing game. Pricing strategies are determined... 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.