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  • Financing solutions

    Connecting small business owners with financing solutions

    SBA Loans

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

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    Term Loans

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

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    Line of Credit

    Flexible funds on hand to manage your cash flow seamlessly.

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    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.

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  • 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.

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    SBA Loan Calculator

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

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    FAQs

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

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    Small Business Blog

    Unlock invaluable insights and tips for small business success.

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  • Resources

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    Small Business Blog

    Unlock invaluable insights and tips for small business success.

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    Small Business Stories

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

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    Customer Reviews

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

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    Emerging Small Business Trends to Watch in 2026

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

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  • About us

    We’re your dedicated small business financial partner

    Our Company

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    Small Business Owners

    Customer Reviews

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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.

SmartBizBank
May 18, 2026

SmartBiz Bank Releases 2026 Small Business Survey, Marking One Year of Serving Entrepreneurs

The second annual State of Small Business: Industry Pulse offers a fresh look at how business owners are managing growth, accessing capital, and adopting new technologies,... Read More
April 08, 2026

Centrust Bank, a division of SmartBiz Bank, N.A., Earns SBA Recognition as a Top Lender in Wisconsin

Centrust Bank, a division of SmartBiz Bank, N.A., has been recognized as one of Wisconsin’s top SBA lenders for fiscal year 2025, facilitating 6 SBA-backed loans totaling... Read More
SmartBizBank
March 30, 2026

SmartBiz Bank Receives SBA Recognition for Small Business Lending in South Florida

SmartBiz Bank has been recognized by the U.S. Small Business Administration (SBA) South Florida District Office with a Bronze Tier Award for its SBA 7(a) lending performance... Read More
SmartBizBank
May 15, 2025

SmartBiz Bank℠ Releases First-Ever State of Small Business: Industry Pulse

Findings reveal key insights into evolving priorities and needs of small business owners across the U.S. Read More
SmartBizBank
April 22, 2025

SmartBiz Bank℠ Announces Official Board, Management, and Organizational Structure Following Acquisition and Bank Approval

The updated structure includes seven distinguished and independent directors Read More
SmartBizBank
March 17, 2025

SmartBiz Acquires Centrust Bank, N.A. and Receives Regulatory Approval to Become a Bank and Bank Holding Company

SmartBiz and Centrust will combine forces to help fuel growth of small businesses nationwide 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.