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.
Read More
Here’s what you’ll need to get started, so you can get pre-approved faster,
Learn More
SBA LOANS UNDER 150K
Ignite your business growth with fast, flexible SBA financing
Only takes 5 minutes and doesn't impact your credit score1
We designed this SBA loan offering to eliminate common roadblocks that small business owners often face when applying for funding under $150,000. Here’s what sets it apart:
Get your SBA loan funded in weeks, not months, thanks to a simplified process.
Perfect for working capital, debt consolidation, equipment purchases, and more.
No overwhelming paperwork. Just the essentials to keep things moving.
Low interest rates2, long repayment terms, and government backing with less friction.
You’ll work with experienced loan specialists who understand your business.
Use the slider to select your working capital or debt refinance loan amount
This calculator is an educational tool intended to help you estimate monthly payment amounts based on the information you enter. The monthly payment shown is an estimate for illustrative purposes only.
"Best Loan Officer"
…The loan officer was amazing to work with. He went above and beyond to secure the terms for us, even when we found lots of roadblocks to deal with. Great communication, knowledge, professionalism, and attitude.
Astrid DeVos
— Trustpilot Review
"SmartBiz Was Incredible to Work With"
SmartBiz was incredible to work with and made the entire process very easy. I know that with SmartBiz, I am not just another account number, but instead, they listened, studied, and understood my business and myself. It was so refreshing to have this level of care. For any business wanting any banking needs, I would highly recommend SmartBiz and am happy that I have established a long term relationship with them!
Cole Bonham
— Trustpilot Review
In many cases, loans can fund in just a few weeks, depending on your readiness and documentation.
If your business is in solid financial health, has been operational for more than three years, and has a strong credit history, you’re likely a good candidate. The quickest way to find out is to apply. Find out which types of businesses can be eligible for an SBA loan from SmartBiz Bank and in the SmartBiz network on our SBA Loan Requirements page.
These loans are great for working capital, equipment, inventory, hiring, marketing, or refinancing existing debt.
Yes. This is a fully SBA-backed 7(a) loan program, with all the advantages (low rates, long terms, government guarantee), made easier.
.jpg?width=620&name=shutterstock_1836809776%20(1).jpg)
.jpg?width=620&name=Finance%20actg2%20(1).jpg)