Skip to content
  • Financing solutions

    Connecting small business owners with financing solutions

    SBA Loans

    Grow efficiently with low-interest SBA loans - tailored for small businesses.

    Explore Now

    Term Loans

    Secure stable funding for growth - flexible terms, fixed rates.

    Explore Now

    Line of Credit

    Flexible funds on hand to manage your cash flow seamlessly.

    Explore Now
    Artboard 1

    Small Business Stories

    Hear from small businesses, like yours, that have accessed funding to drive success.

    Read More
  • How it works

    Learn how we make the complex clear and the process seamless

    Loan Process

    Our streamlined loan process blends innovative technology with personalized service.

    Learn More

    SBA Loan Calculator

    Review potential payments and navigate the SBA 7(a) loan confidently with our SBA loan calculator.

    Explore Now

    FAQs

    Learn more about SmartBiz and small business financing. Explore our frequently asked questions.

    Read More
    Artboard 1_1

    Small Business Blog

    Unlock invaluable insights and tips for small business success.

    Read More
  • About us

    We’re your dedicated small business financial partner

    Our Company

    Discover our story and our commitment to supporting small businesses.

    Learn More

    Careers

    Join a dynamic team dedicated to driving innovation and growth.

    Explore Now

    News

    Stay informed with our latest announcements and industry updates.

    Read More
    Artboard 1_2

    Customer Reviews

    Hear from our customers - real stories of success and satisfaction.

    Read More
Apply Now
Small Business Blog

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

Explore Our Resources

Small Business Loans
May 06, 2016

Introduction to Loan Borrowing Cost

When shopping for low-cost funds to help grow your small business, you’re going... Read More
Small Business Loans
May 05, 2016

Small Business Loans for Restaurants

The restaurant industry is booming! According to the National Restaurant... Read More
Small Business Loans
April 12, 2016

The Value of Clean Books When Applying For a Business Loan

Taking a loan is a great way to grow your business at a fast pace. Read More
Small Business Loans
March 18, 2016

SBA Loan Denied: Top Mistakes to Avoid When Seeking a Small Business Loan

Taking out a low-cost loan to fund your small business is a smart decision to... Read More
Small Business Loans
December 04, 2015

Guest Post: The Advantage of Franchise Funding

SBA loans are attractive to small businesses, including franchises, for their... Read More
Small Business Loans
November 05, 2015

Honored as the #1 Fastest Growing Private Company in the Bay Area

Better Finance, the parent company of SmartBiz, has been honored as the #1... Read More
Small Business Loans
October 15, 2015

Cash Flow Forecast: What Happens When You Get It Wrong, How to Get It Right

Why is a cash flow forecast so important growing your small business? We gather... Read More
Small Business Loans
September 09, 2015

Need Working Capital? Review These 4 Funding Options

Are you an entrepreneur seeking growth and stability for your small business?... Read More

Smart growth is smart business

Subscribe and receive tips, success stories, resources and more!

Access to the right loan for right now

See if you pre-qualify, without impacting your credit score. 1

Apply Now

Back to Top

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.