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SmartBiz Team

SmartBiz Team

Our team


We’re a diverse and distributed team of technologists working together to transform small business banking. We’re making bold moves and scaling quickly under the committed leadership of an executive team working on behalf of entrepreneurs and the forward-thinking banks that serve them.


How we work


Our core values help enable us to pursue an ambitious and important vision and to make an immediate impact in the lives of the entrepreneurs we serve. We believe in diversity of thought and perspectives, which is why we rotate authors on our team to ensure our blog content reflects varying viewpoints. This allows each SmartBiz team member to contribute to providing valuable resources to small business owners.

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About the SmartBiz Editorial Process

Our writers and editors work hard to provide the most accurate and up-to-date blog posts. Our editorial process reflects our vision and standards and applies to all content. Learn more about how we write, edit, and fact check our posts:

Editorial Process ›

Posts By SmartBiz Team

May 17, 2023

Evaluating Insurance Needs

If you think insurance is one of those “extra” expenses you can skip to save... Read More
May 10, 2023

Identify and Navigate Tax-Related Issues for Small Businesses

Benjamin Franklin once said: “Only two things in this world are certain: death... Read More
October 24, 2022

What is the SBA? A Brief Overview and History

When running a business, it can be easy to become overwhelmed by the... Read More
October 23, 2022

The Evolution of the Business Lending Industry

Small businesses in America account for 99.9% of businesses, about half of the... Read More
October 22, 2022

Learn How to Analyze Your Cash Flow and Better Manage Your Business

Cash flow is the lifeblood of a business and an essential element of... Read More
October 22, 2022

Reviewing Collateral Requirements

When a small business owner is applying for a loan, there are generally certain... Read More
October 21, 2022

Summarizing Regulatory Compliance for Small Businesses

As a small business owner, you’re responsible for keeping your company... Read More
October 20, 2022

What You Need to Know About Business Credit Reports

Your credit score and report help lenders get a general sense of the health of... Read More
October 24, 2018

How to Determine Use of Proceeds with an SBA Loan

SBA 7(a) loans are generally regarded as the gold standard in the 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.