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Small Business Blog

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

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SmartBiz Advisor
May 21, 2018

Avoid Overpaying for Your Small Business Loan

If you’re searching for small business funding, you’ll come across a dizzying array of options. From SBA loans to merchant cash advances to business credit cards, each... Read More
SmartBiz Advisor
May 14, 2018

Declined for a Small Business Loan – Now What?

If you’ve decided to take out a small business loan, you’ve likely put lots of time and energy into deciding on an amount, choosing a lender, and producing paperwork.... Read More
SmartBiz Advisor
May 07, 2018

Loan Ready Score | SmartBiz Advisor

SBA Loans are the “gold standard” in small business funding because of low-rates, long terms and very low payments. Are you ready to apply? SmartBiz helps you... Read More
SmartBiz Advisor
May 07, 2018

SBA Loan Help: What is SmartBiz Advisor™?

Business owners seeking growth and savings deserve affordable funding and the team at SmartBiz Loans is here to help. Read More
SmartBiz Advisor
April 30, 2018

What Are Business Revenue Trends and How Are They Calculated?

Are you seeking a low-cost small business loan? Banks consider a number of ratios to evaluate a company’s financial health before they agree to grant a loan. Read More
SmartBiz Advisor
April 23, 2018

Why Business Debt Usage is Important to SBA Banks

The reasons for small business loan denials have historically been unclear. An entrepreneur can spend valuable time and effort on a loan application only to be rejected... Read More
SmartBiz Advisor
April 16, 2018

What is Personal Debt Usage and Why is it Important for a Business Owner?

Generally, small business lenders want to know the answers to a couple of important questions to learn more about your business. Read More
SmartBiz Advisor
April 03, 2018

Applying For An SBA Loan: Calculate Business Debt Coverage

Are you interested in an SBA loan? Low cost funds can be a big boon for a thriving small business. Read More
SmartBiz Advisor
March 13, 2018

Applying for an SBA Loan? Know Your Combined Debt Coverage 

Many entrepreneurs applying for an SBA loan don’t know how banks evaluate the financial health of their business. SmartBiz Loans set out to solve that problem and we’re... 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.