Our partner, SmartBiz Loans, helps business owners access trusted, low-cost capital to support and build their business.

Funds can be used for working capital, high-interest debt consolidation, hiring employees, or a commercial property purchase/refinance.

Why SmartBiz?

The online SmartBiz bank network matches you with the bank most likely to approve your application. Nearly 90% of the loans referred to bank partners get approved!

One Fast and Easy Application

Our streamlined, online application lets you apply for both the bank term loan and the SBA loan at the same time.

Bank Term Loans

  • Loans from $30,000 to $500,000
  • Fixed interest rates from 6.99% to 24.99%*
  • 2 to 5-year terms
  • Monthly repayments
  • No pre-payment penalties

SBA Bank Loans

  • Loans from $30,000 to $5,000,000**
  • Variable interest rates from 4.75% to 7.00%*
  • 10 to 25-year terms
  • Monthly repayments
  • No pre-payment penalties or balloon payments

* SBA loans have a variable rate of Prime Rate plus 1.50% to 3.75%. Bank term loans have a fixed rate depending on loan term and applicant’s credit and financial profile.
** Working capital loans from $30,000 to $350,000 and CRE loans from $500,000 to $5,000,000

Who Qualifies?

Business Characteristics

  • 2 years in business
  • US-based business
  • Cash flow to support loan payments (verified with tax returns)

Personal Characteristics of Business Owner

  • Good credit
  • No bankruptcies, judgments, or foreclosures in the last 3 years
  • No outstanding tax liens