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Lender
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

SmartBiz's account

Finanso.Multilogin™

How to register an account

  1. Visit SmartBiz's official website;

  2. Click the 'Apply Now' switch at the top;

  3. Decide how to use your borrowed money. Grow your business/refinance debt or buy/refinance commercial real estate;

  4. Indicate the amount you wish to borrow, which should be between $30,000 and $350,000 for working capital credits and $500,000 to $5,000,000 for real estate loans;

  5. Provide your name, email, phone number, and business name.

How to reset a password

To reset your password, you need to enter your email address first, and then SmartBiz will send you an email to continue the process.

How to delete an account

Please call 844-797-7075 if you wish to terminate and close your SmartBiz Account.

FAQ

How do I cancel my SmartBiz loan?

Contact SmartBiz at 844-797-7075 if you want to close your SmartBiz account. You should close your account if you no longer wish to receive emails from SmartBiz. To find small business financing options, companies can use SmartBiz.

Can I apply for a SmartBiz loan online?

Because of the sophisticated software developed by SmartBiz, you can now complete the application procedure for an SBA loan online, and small businesses can receive funding in as little as seven days.

What do I need to register on SmartBiz?

To be eligible for registration in SmartBiz, you need to have been in business for at least two years and be a citizen of the United States. You must not have any outstanding tax liens or monthly cash flow issues that could prevent you from making your loan installments on time. It would be best if you had not experienced bankruptcies or foreclosures in the previous three years.

Calculate loan payments in SmartBiz

SmartBiz calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount
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Enter the desired loan amount

USD
USD
30000 $
500000 $
Loan term
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Specify the loan term for the calculation

months
days
24
60

What to focus on before applying for a loan with SmartBiz

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between SmartBiz and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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