Earn $500 for Referring a Small Business Owner

The Bank reserves the right to modify, suspend, or terminate the Referral Rewards Program ("Program") at any time, for any reason, and without prior notice. Any changes to the Program will be posted within these terms. General eligibility requirements: The Program is offered by SmartBiz Bank, N.A. ("Bank") to eligible customers that refer new applicants who are subsequently approved for an SBA loan. The Program is open only to existing customers of the Bank who have received a referral invitation and are in good standing. The Program is only open to applicants who have not previously applied for, or been funded for, an SBA loan by the Bank. Customers may refer multiple businesses to the Program. However, referral rewards are subject to a maximum reward of $600 per customer per calendar year. To be eligible to receive referral rewards in excess of $600 in a calendar year, the referrer must provide a completed W-9. Each applicant may claim one (1) $500 discount on closing costs per year for a maximum reward of $500. Rewards will be issued within thirty (30) days of qualification, subject to processing time delays. Qualification is determined by the date the applicant's SBA loan is funded. Rewards are issued as digital gift cards via third-party vendor Tremendous, and delivered to the email address associated with the customer's account. Participants must review and accept Tremendous’ Terms and Conditions. It is the responsibility of the participant to ensure that their contact information is accurate and up to date. Participants must review and accept the Bank’s Terms and Conditions, and third-party vendor, Impact, Terms and Conditions before creating an account and before participating in the Program. Only referrals that meet all compliance and funding requirements will be eligible for the reward. The Bank retains the right to disqualify any participant who violates the rules of the Program, including but not limited to abuse, fraud, or circumvention of limitations. This Program is void where prohibited by law. The Bank is not responsible for lost, misdirected, or undeliverable emails or rewards. Offers cannot be combined with other promotions. The Bank’s employees and officials and their immediate families cannot participate in the Program. Taxes on bonuses, if any, are the recipient’s responsibility. The Bank complies with federal and state tax reporting laws. Additional restrictions may apply.