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Shorter terms, faster delivery of funds

We help small businesses like yours access funds quickly with bank term loans from our trusted network.

Interest Rates

as low as 9.99%1


$30,000 - $300,000


2-5 years
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Only takes 5 minutes and doesn't impact your credit score2

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Funds today, no surprises tomorrow

Bank term loans offer you the opportunity to secure cash flow more quickly while locking in a favorable fixed rate.

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2-5 year repayment terms with stable monthly payments

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$30,000 - $300,000 for working capital and debt refinancing


Competitive fixed interest rates

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Eligible business owners are U.S. citizens or legal permanent residents

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Must be 2+ years in business with good credit and cash flow to qualify

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Compare offers from our network of banks and trusted lenders

Automated and on your side

Our mission is to equip every entrepreneur with reliable access to the smart capital they need to grow. We’ve taken the long, complicated process of applying for funding and streamlined it for the way you do business today. One single application is powered by intuitive technology and an exceptional team dedicated to finding you the right financing offers, without wasting your valuable time. We’re proud to be the leading financing platform connecting small businesses with SBA, bank term loans, and flexible financing options.

Frequently asked questions

We'll go over the costs, qualifications, use of proceeds, and more to help you determine if this type of loan is the best option to fund your small business.

What’s the difference between an SBA and a bank term loan?
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In general, SBA loans provide lower rates and longer terms, and bank term loans are a great option if you’re looking for fixed rates and faster access to funds through a faster application process.

Am I a good candidate for a bank term loan?
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Most businesses in good financial standing that have been in operation for more than two years are good candidates for bank term loans.

What are my options if I’m not approved for a bank term loan?
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Even if you don’t yet qualify for an SBA or bank term loan, our intuitive application will surface the best available custom financing solutions for your specific needs and situation.

What are the different ways that I can use funds from a bank term loan?
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A Bank Term loan from a bank in the SmartBiz Loans network can be used in a variety of ways to build your business and save money. The financial professionals at SmartBiz Loans are available to answer any questions you may have regarding acceptable uses of loan proceeds. Explore popular ways our customers use funds.

Trusted & Loved

Very Satisfied

Fantastic experience! The entire team that I worked with, specifically Pamela did a FIRST CLASS job. Communication was on point, I was in the loop every step of the way. Glad I chose SmartBiz Loans for our SBA needs.

Mike M

Rates are good. Service is Excellent.

Good experience with SmartBiz, rates are good, service is excellent. It is refreshing to work with experienced pros on the many moving parts of an SBA loan. This was a good move for my business.

Tim Campbell

On top of everything!

It couldn't have gone any better…stayed on top of everything and got us through the process easily. We will definitely be contacting for advice as we grow our small family business. Thank you, SmartBiz!

Rori Prushinski

Meet the 2022 SmartBiz Grant Awardees

The recipients each received a $5,000 award and were chosen from a pool of eligible minority, women, or veteran-owned U.S. businesses.

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SmartBiz Awards $25,000 in Grants to Minority-Owned Small Businesses in 2021

The Program was established to support minority, women, and veteran business owners to help equip entrepreneurs with reliable access to smart capital.

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Have 5 minutes? Apply online

See if you pre-qualify without impacting your credit score.2

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  1. Interest rates on bank term loans depend on loan term and the applicant's credit and financial profile.
  2. 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.

* Interest rate depends on loan term and the applicant's credit and financial profile. Qualifying customers may have the option to reduce their term loan interest rate by 2% if they choose a prepayment penalty of 5% of the total outstanding balance.