Low-cost SBA working capital loans help you run day-to-day operations and invest in the future

Why take out a working capital loan with us?

It’s tough to beat the low cost rates and long repayment terms of a working capital SBA loan. However, the traditional process of applying directly at a bank can be quite cumbersome and often results in a 'no'. SmartBiz changes that. We make it easy for you to apply for a working capital SBA loan online and our marketplace helps get you to a 'yes' because SmartBiz matches your business with the lender most likely to fund your loan. You can use the funds in a variety of ways:

  • Purchase equipment

  • Increase inventory

  • Add marketing programs

  • Operating expenses

  • Hire additional staff

  • Refinance high-interest debt, saving you hundreds or even thousands per month


How It Works

1  Pre-qualify Without Impacting your Credit

Pre-qualify in as little as 5 minutes without impacting your credit score! Simply provide basic information online and we’ll automatically tell you if you pre-qualify for a working capital SBA loan from $30,000 to $350,000.


Provide Financial Information

Tell us how you plan to use your funds and provide financial information about your business and its owners. Your SmartBiz Loans Relationship Manager is here to assist you at any point in the process.


3 Get Funded

Upload requested documents to complete your application. We’ll review your financials to confirm your business has the cash flow to afford the monthly loan payments. Funds can then be in your bank account in as fast as 7 days after your application is complete.


  • 2+ years in business

  • Business owners must be US citizens or legal permanent residents

  • Business owners must have personal credit scores above 650

  • Cash flow to support loan payments

  • Bankruptcies or foreclosures in the last 3 years

  • Prior default on government backed loans

  • Outstanding tax liens

  • Loan proceeds cannot be used for unpaid taxes