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

    Emerging Small Business Trends to Watch in 2026

    Get a leg up on 2026 business planning by paying attention to these emerging trends.

    Read 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

Operations
March 04, 2026

How to Fund Spring Hiring Without Straining Cash Flow

Spring is a common season for growth in the business world. Customer demand increases, new projects launch, and many businesses choose to expand their teams to keep up. While... Read More
Money Management
March 02, 2026

Debt to Equity: How To Calculate and Utilize

Even though you can find your company’s debt on its balance sheet, putting those numbers in perspective may help lenders and other institutions evaluate your business... Read More
Business Loans
February 25, 2026

What Is the Minimum Credit Score for SBA Loans in 2026?

Securing an SBA loan is typically one of the most affordable ways to give your business a cash infusion. Whether you need to bring in more staff members or invest in a new... Read More
Business Loans
February 23, 2026

SBA 7a Loan Rates, Terms, Amount and Maturity

Are you looking for a low-cost loan with affordable payments? The Small Business Administration’s “flagship” program, the 7(a) loan, is one of the most affordable and secure... Read More
Business Loans
February 18, 2026

SBA Loan Repayment Terms Explained

SBA loans are generally considered the most affordable small business loans, thanks in large part to their borrower-friendly terms and lengthy repayment periods. But... Read More
Business Loans
February 16, 2026

SBA 7(a) Checklist: How to Get Started

SBA loans remain one of the most affordable and flexible funding options available to small business owners. Because they are backed by the federal government, SBA 7(a) loans... Read More
Business Loans
February 13, 2026

EAR vs. APR: What are the Differences Between EAR and APR?

If you’re looking for a small business loan, you may find yourself overwhelmed by the abundance of acronyms, like APR, APY, and EAR. Understanding what they mean may often be... Read More
Business Loans
February 11, 2026

Collateral Requirements for SBA Loans

In financial terminology, collateral refers to items that a borrower pledges to help secure a loan. When applying for an SBA loan, collateral may include business assets,... Read More
Marketing
February 09, 2026

Top 10 Business Marketing Apps for Small Businesses

It’s virtually impossible to accomplish your marketing goals without the right tools. In today’s digital landscape, there is a huge selection of marketing apps that can take... 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.