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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
February 20, 2018

Is Your Small Business Financially Healthy?

The SmartBiz Loan Ready Score* Reveals Where You Stand Read More
SmartBiz Advisor
February 12, 2018

Is Your Business Growing? Why Banks Want to Know About Your Business Revenue Trend When You Seek Financing

What do SmartBiz® bank partners look for when evaluating a loan application for an SBA or bank loan? One metric they’re interested in is your “Business Revenue Trend”. Read More
SmartBiz Advisor
February 05, 2018

Business Credit and Personal Debt

Does your small business need working capital? Perhaps you want to refinance expensive debt. Maybe you’re in the position to purchase or refinance owner-occupied commercial... Read More
SmartBiz Advisor
January 30, 2018

Business Debt Usage 

Are you looking for a low-cost loan to grow your business?There’s a question every applicant should ask before they jump into the process: “Is my business loan ready?” Read More
SmartBiz Advisor
January 22, 2018

Your Personal Credit Score: What It Is, Why It’s Important

Ready to secure funding to spark growth for your small business? An infusion of low-cost funds can be key to the future success of your business. Read More
SmartBiz Advisor
January 17, 2018

Fico SBSS: What's Your Business Credit Score

We often interview small business owners who have received an SBA loan through our banking partners to learn about their entrepreneurial journey and keys to success. ... Read More
SmartBiz Advisor
January 09, 2018

What is Business Debt Coverage?

Are you looking into outside financing to grow your business? If so, there are several financial ratios used by banks to assess the health of your business.Read on to learn... Read More
SmartBiz Advisor
January 03, 2018

Combined Debt Coverage and Why it Matters to Banks

At SmartBiz Loans, we’re sharing important information you need to know to get SBA loan ready. No longer a mystery, we have identified 7 key metrics lenders consider before... Read More
SmartBiz Advisor
December 20, 2017

What is the SmartBiz Advisor Loan Ready Score™?

SmartBiz Loans™ is excited to help you get your business SBA loan ready by providing your business with our proprietary Loan Ready Score* when you sign up for our free online... 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.