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February 23, 2023

A Quiz on Understanding Personal Credit Scores and Their Impact on SBA Loans

Credit scores can be confusing! But if you’re interested in an SBA loan, it’s worth your time to learn about this important metric and how it may impact your loan... Read More
July 25, 2022

Test Your Business Credit Score IQ

If you’re a small business owner in need of funding, there are ways to improve your chances of getting approved for a loan. One thing lenders review is your business... Read More
June 20, 2022

Glossary of Terms for Small Business Owners 

The systems and processes used to run your business evolve at lightning speed. Entrepreneurs should always keep learning so they can keep up with the competition and... Read More
April 18, 2019

Business Revenue Trends | SmartBiz Advisor

In this video, we’re explaining what business revenue trends are, how banks calculate them, and why they matter to lenders when they evaluate your loan application. ... Read More
November 14, 2018

Personal Debt Usage | SmartBiz Advisor

Why does personal debt usage matter when applying for a small business loan? Hear from our Lending Manager about what the metric is, how you can calculate it, and how... Read More
October 31, 2018

Business Debt Usage | SmartBiz Advisor

Learn what business debt usage is, how it’s calculated, and why it matters to lenders. Plus, see where you can find personalized insights and recommendations based on... Read More
October 16, 2018

Personal Credit | SmartBiz Advisor

Ever wonder why banks request your personal credit in a business loan application? Learn why the score matters and the 5 main factors a lender takes into account to... Read More
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
June 05, 2018

About SmartBiz Advisor

Do you understand how banks look at your financial information when applying for an SBA loan? Most don’t, so we created SmartBiz Advisor. This free tool educates small... 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.