The smarter source for small business loans

Fast and flexible financing options for entrepreneurs with things to do.

Only takes 5 minutes and doesn't impact your credit score¹

Access to the right loan for right now

We’re proud to be the leading AI-powered financing platform connecting small businesses with SBA, bank term loans, and flexible financing options.

Access to working capital

Find funds to increase inventory, staff up, or expand your business.

At-the-ready funds put you in control

Smooth out your daily operations and start future-proofing.

Refinancing debt?

Save on high-interest debt to increase your monthly cash flow.

One intuitive application quickly connects you with the right capital for your business

Simply tell us about your business and goals, and our technology will take care of the rest. No faxing, printing, or mountains of paperwork required.

Trusted & Loved

Prompt and pleasure to work with.

“Loan Application Made Easy AND Enjoyable. Working with SmartBiz Loans made applying for an SBA loan quick and easy. Their team was prompt, professional, and a pleasure to work with. I want to apply for more loans just to be able to work with them again!”

Chad N

It was a great experience.

“I worked with SmartBiz Loans to Apply for an SBA loan. It was a great experience and it also gave me an opportunity to think about my business from a lender's perspective, which was very helpful in evaluating our business. The person assigned to my application process, David L., was amazing to work with; he was very responsive and made the process easy to understand. Each request was explained so that we were always on the same page, which made it easy to gather all documentation, because you knew exactly why it was required. Just a great experience. I would recommend SmartBiz to anyone seeking SBA or other funding for their business.”

Vanessa Carter | OneView Communications

Very Pleased

“I really was hopeless regarding the PPP loan knowing I have applied with a few different banks and got nowhere. SmartBiz made it so much easier and my faith was renewed. Now I am able to keep my employees at work without feeling too stressed having to pay out of pocket every week to keep all my employees working.”

Maya Arora

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.