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SmartBiz Overall rating: ★★★★★ 4.7 based on 8 reviews.
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Online Payday Personal Consumer Loans up to $5,000

Easy Application, Fast Processing, Quick Approval, Any Credit Score

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SmartBiz is a lender offering business loans. The selected banks in the business lending network have funded over $1.5 billion in small business loans. This company offers SBA and bank term loans under $350,000. Almost 90% of loans are approved by the banking institutions in their business network.

Company name SmartBiz
Founded Unknown
Address 433 California Street, San Francisco, CA 94104
Phone number (866)-283-8726


  • Business Loans
  • Loan Amount for up to $300,000
  • Reasonable Interest Rate
  • Clear Procedure


  • 7 Days to Transfer Funds
  • Increase APR

Bottom Line

SmartBiz is an online lender that offers SBA and bank term loans. The maximum loan amount is $350,000. SBA loans through banks in the SmartBiz lending network have a variable rate of Prime Rate plus 1.5% to 3.75%. It provides loans using an online application.

Types of Loans

SmartBiz offers SBA and bank term loans. SBA loans are a government-guaranteed small business loan that has a long-term and a low-interest rate. Bank term loan is a short-term, fixed-rate loan with stable monthly payments.


SBA Loans from $30,000 to $350,000 requirements are:

  • Minimum 2 years in business
  • U.S. based business owned by a US citizen or Lawful Permanent Resident who is at least 21 years old
  • Good personal credit score of 640 or higher
  • No outstanding tax liens
  • No bankruptcies or foreclosures in the past 3 years
  • No recent charge-offs or settlements
  • Current on government-related loans

SBA from $500,000 to $5 million requirements are:

  • The real estate must be majority owner-occupied
  • Time in Business: 2+ Years
  • Business owners must have personal credit scores above 675

Bank term loans’ requirements are:

  • 2+ years in business
  • Business owners must be U.S. citizens or legal permanent residents
  • Business owners must have personal credit scores above 640
  • Cash flow to support loan payments

Category: Online Loans

Tags: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming

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SmartBiz Reviews

5-star service! Magic staff and service. I appreciate its terms and rates.
- Marilyn Willett

Bank term loan is what I need to cope with financial problems I have in my business. They do it well.
- Joanne Diehl

The entire process takes several minutes. I believe this company helps get profit in any way. It brings no problems to pay a loan back. There are option to refinance the loan.
- Patricia Bennett

Fantastic terms! I like I can use online service to fill out an application. It takes several minutes to leave an application and be approved. Your job is super-good!
- Genevieve Ling

Prompt service! Loans for small business. I respect the individual approach. It requires several confirmations but this company is worth using it.
- Gale D. Petro

Want to start on business but have no money? This company will approve you a loan with favorable APR. It can help build your own company and start a new life
- Hilda K. Maselli

My husband addressed this company several times. It helps enrich the company as much as possible. We get profit due to SmartBiz. Reasonable terms offered by customers even with bad credit score
- Theresa Whitmire

Working with SmartBiz is enjoyable. They provide reasonable term and conditions. Hold consultations if you have some questions. I build my own business due to this company's loan
- Carlos Pollard

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