Skip to content
  • Financing solutions

    Connecting small business owners with financing solutions

    SBA Loans

    Grow efficiently with low-interest SBA loans - tailored for small businesses.

    Explore Now

    Term Loans

    Secure stable funding for growth - flexible terms, fixed rates.

    Explore Now

    Line of Credit

    Flexible funds on hand to manage your cash flow seamlessly.

    Explore Now
    Small Business Owner Multiple SBA loans

    Multiple SBA Loans

    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 More
  • How it works

    Learn how we make the complex clear and the process seamless

    Loan Process

    Our streamlined loan process blends innovative technology with personalized service.

    Learn More

    SBA Loan Calculator

    Review potential payments and navigate the SBA 7(a) loan confidently with our SBA loan calculator.

    Explore Now

    FAQs

    Learn more about SmartBiz and small business financing. Explore our frequently asked questions.

    Read More
    Small Business Animal Hospital

    Small Business Blog

    Unlock invaluable insights and tips for small business success.

    Read More
  • Resources

    Guidance, tools, and support to help your business thrive.

    Small Business Blog

    Unlock invaluable insights and tips for small business success.

    Read More

    Small Business Stories

    Hear from small businesses that have accessed funding to drive success.

    Read More

    Customer Reviews

    Hear from our customers - real stories of success and satisfaction.

    Read More
    lenders checking account

    SBA Loan Timeline and How to Apply in 2025

    Here’s what you’ll need to get started, so you can get pre-approved faster,

    Learn More
  • About us

    We’re your dedicated small business financial partner

    Our Company

    Discover our story and our commitment to supporting small businesses.

    Learn More

    Careers

    Join a dynamic team dedicated to driving innovation and growth.

    Explore Now

    News

    Stay informed with our latest announcements and industry updates.

    Read More
    Small Business Owners

    Customer Reviews

    Hear from our customers - real stories of success and satisfaction.

    Read More
Apply Now
Apply Now
SmartBiz - Business Blog

How Banks Are Helping Small Businesses Evolve Faster

Explore Our Resources

Business Loans
November 26, 2025

How to Use Additional Funding to Scale in Q1

Many business owners look for ways to scale their operations at the beginning of the fiscal year. Accessing additional funding early on allows you to reinvest in areas such... Read More
Business Loans
November 19, 2025

Multiple SBA Loans: Can You Apply For an SBA Loan Twice?

If you've previously qualified for a Small Business Administration (SBA) loan, your business has likely benefited from the funds, putting you on a strong financial footing.... Read More
Business Loans
November 17, 2025

What Lenders May Look For in Year-End Financial Statements

Lenders carefully evaluate year-end financial statements when determining loan eligibility because they provide insight into a business's financial condition. Cash flow,... Read More
Business Loans
November 07, 2025

SBA Loans for Construction Companies: What Builders Need to Know

Are you a contractor, builder, or construction business owner looking for better financing options? This article breaks down: Read More
Business Loans
November 05, 2025

SBA Loans for Medical Companies: What therapists, dental, and healthcare providers need to know

Are you running or planning to open a healthcare business? This article covers: Read More
Business Loans
November 04, 2025

SBA Loans for Daycare Centers: A Quick Guide To Financing Your Childcare Business

Are you looking for a way to grow or revamp your daycare? This article covers: Read More
Business Loans
October 31, 2025

How to Use Your Small Business Loan to Grow Smarter in 2026

The right financing may be a powerful lever to accelerate growth if used intentionally. Small business loans for growth aren’t just about getting cash; they’re about... Read More
Business Loans
October 22, 2025

What Are SBA Loan Requirements for 2026?

Small business owners seeking funding in 2026 are finding that SBA loans remain one of the smartest ways to secure capital with affordable terms. Designed to support business... Read More
Business Loans
October 22, 2025

What Is SBA Loan Debt Refinance and How Does It Work?

For small business owners juggling multiple debts or stuck with high-interest loans, SBA loan debt refinance may be a game-changer. Refinancing through the U.S. Small... Read More

Smart growth is smart business

Subscribe and receive tips, success stories, resources and more!

Access to the right loan for right now

See if you pre-qualify, without impacting your credit score. 1

Apply Now

Back to Top

1. We conduct a soft credit pull that will not affect your credit score. However, in processing your loan application, SmartBiz Bank and 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 may impact your credit score.

The SmartBiz® Small Business Blog and other related communications from SmartBiz BankSM are intended to provide general information on relevant topics for managing small businesses. Be aware that this is not a comprehensive analysis of the subject matter covered and is not intended to provide specific recommendations to you or your business with respect to the matters addressed. Please consult legal and financial professionals for further information.