Can you apply for an SBA loan twice? The answer is generally yes, as long as your total funding remains within each program’s borrowing limits.
Learn MoreOur streamlined loan process blends innovative technology with personalized service.
Learn MoreReview potential payments and navigate the SBA 7(a) loan confidently with our SBA loan calculator.
Explore NowLearn more about SmartBiz and small business financing. Explore our frequently asked questions.
Read MoreHear from small businesses that have accessed funding to drive success.
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Apply online in minutes and get expert guidance from application to funding.
See if you pre-qualify in only 5 minutes without impacting your credit score1
We simplify the SBA loan process with a streamlined digital application and dedicated guidance so you can move forward with fewer delays and more confidence.
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Find out if you pre-qualify in less than 5 minutes without impacting your credit so you can make informed decisions from the start.1
Our dedicated team will help identify and address potential issues early, reducing the risk of slowdowns later in the process.
Our streamlined digital application reduces friction at every step, so you don’t have to manage paperwork or guess what comes next.
Work with SBA loan experts who guide you through the process, answer your questions, and help you move forward quickly and with confidence.
SBA loans offer flexible funding that can support a wide range of business needs, from improving cash flow to refinancing high-interest debt.
Replace higher-interest debt with a more manageable SBA loan structure and improve monthly cash flow.
45% of funded SmartBiz customers use SBA 7(a) loans to refinance and consolidate debt, saving an average of over $70,000 per year, or nearly $6,000 per month.4
Open a new location, renovate your space, or scale your operations with SBA financing built for long-term business growth.
Competitive rates and longer repayment terms may help make expansion more manageable.
Cover day-to-day business expenses like payroll, inventory, rent, and operating costs with working capital designed to help keep your business running smoothly.
SBA loans provide the financial flexibility needed to manage cash flow more effectively while supporting ongoing operations.
Equip your business for long-term success with financing for equipment purchases and operational upgrades.
SBA loans can help cover the cost of machinery, technology, furniture, vehicles, and other essential business assets, giving you the ability to improve productivity, efficiency, and day-to-day operations.
Use SBA loan proceeds to finance the acquisition of an existing business, partner buyout, or ownership transition.
Financing may help cover purchase costs while preserving working capital for ongoing operations and future growth.
Every business has a story. Here’s how real owners worked through the SBA process and reached their next milestone with SmartBiz.
“We used the funds to consolidate payments so our monthly obligations are less. We’re also using the proceeds for working capital and to build our credit line.”
Carey Kiehn, Owner
“When you partner with SmartBiz, they will take the scariness out of it. They will walk you through the process and educate you on the choices that you're making.”
Russell Wahl, Owner
“We hired 2 new employees to help us run things so we can provide more services to dog owners in need. Having money in the bank made it possible to make those hires.”
Annie Grossman, Owner
“It was a very easy process. All of the documents were uploaded right away. We added more space, more inventory, and more volume.”
David Hawley, Owner
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Not every business qualifies for an SBA loan, but you don’t have to figure that out on your own.
Explore resources to better understand how SBA loans work, what’s required to qualify, and how to navigate the process from application to funding.
Understand the key requirements to qualify for an SBA loan.
Learn how you can use SBA loan proceeds to grow your business, save money, and more.
Get familiar with SBA loan guidelines and what to expect during the application process.
Stay updated on current interest rates, how they work, and other fees and costs associated with SBA loans.
4.7 out of 5 based on 16,366 reviews
“Smartbiz was constantly keeping me updated about where we were in the process and the documents that they needed. I didn’t have to follow up with them because they were following up with me. That is the way businesses should run.”
“The team at SmartBiz is amazing! This is my second time working with them to secure an SBA loan, and both experiences have been seamless. The process was smooth, well-organized, and handled with true professionalism. I highly recommend SmartBiz to any business owner looking for an SBA loan.”
“From start to finish SmartBiz made the loan process very easy. They were very responsive to my calls, emails and questions. I have avoided SBA loans because I had heard horror stories but SmartBiz took the issues away!”
