- Financing solutions Connecting small business owners with financing solutions
- How it works Learn how we make the complex clear and the process seamless.
- About us We’re your dedicated small business financial partner.
Welcome to SmartBiz Bank
We’re your SBA lending partner, offering financial services designed specifically for small businesses.
See if you prequalify in only 5 minutes without impacting your credit score1
Excellent 4.6 out of 5 
SBA Loans Made Easy®
With an SBA loan, you can secure low rates and long terms, resulting in lower monthly payments so you can fund the moves you want to make.3
Need working capital?
Increase inventory, staff up, or expand your business.
Adapting to change?
Smooth out your daily operations and start future-proofing.
Refinancing debt?
Save on high-interest debt to increase your monthly cash flow.
SmartBiz Spotlight: Real business stories
Celebrating small business resilience and innovation.
We’re inspired by the remarkable journeys of our clients:
Off-Road Vixens
Shari and Carey, owners of Off-Road Vixens, needed funds for growth and to help save money, so they took out an SBA loan with a low rate and a 10-year term.
Carey says, “We used the funds to consolidate payments so our monthly obligations are less. We’re also using the proceeds for working capital and to build our credit line.” They also want to add technical products, like helmets and goggles, to help them stay relevant and grow.
School for the Dogs
Annie secured two SBA loans and she is using the funds to fuel expansion:
“We hired 2 new employees to help us run things so we can provide more services to dog owners in need. Having money in the bank made it possible to make those hires,” says Annie, owner of School for the Dogs. “We’re also looking to become more involved in teaching additional trainers our methods. We want to offer additional services out in the field.”
Sonoma County Carpentry
Russell came to SmartBiz during a period of growth and worked with us to secure an SBA loan that enabled him to continue expanding his business.
'Because of SmartBiz and the opportunity you gave me to leverage the financial resources to grow my business, not only did I double my revenue, but I am now in a position to purchase three other businesses to expand even bigger, better, and faster,' said Russell, Owner of Sonoma County Carpentry.
Off-Road Vixens
Shari and Carey, owners of Off-Road Vixens, needed funds for growth and to help save money, so they took out an SBA loan with a low rate and a 10-year term.
Carey says, “We used the funds to consolidate payments so our monthly obligations are less. We’re also using the proceeds for working capital and to build our credit line.” They also want to add technical products, like helmets and goggles, to help them stay relevant and grow.
School for the Dogs
Annie secured two SBA loans and she is using the funds to fuel expansion:
“We hired 2 new employees to help us run things so we can provide more services to dog owners in need. Having money in the bank made it possible to make those hires,” says Annie, owner of School for the Dogs. “We’re also looking to become more involved in teaching additional trainers our methods. We want to offer additional services out in the field.”
Sonoma County Carpentry
Russell came to SmartBiz during a period of growth and worked with us to secure an SBA loan that enabled him to continue expanding his business.
'Because of SmartBiz and the opportunity you gave me to leverage the financial resources to grow my business, not only did I double my revenue, but I am now in a position to purchase three other businesses to expand even bigger, better, and faster,' said Russell, Owner of Sonoma County Carpentry.
Off-Road Vixens
Shari and Carey, owners of Off-Road Vixens, needed funds for growth and to help save money, so they took out an SBA loan with a low rate and a 10-year term.
Carey says, “We used the funds to consolidate payments so our monthly obligations are less. We’re also using the proceeds for working capital and to build our credit line.” They also want to add technical products, like helmets and goggles, to help them stay relevant and grow.
Trusted & Loved
Our customers say Excellent
4.6 out of 5 based on 16,367 reviews
4.6 out of 5 based on 16,367 reviews
"I'll be a repeat customer."
“From day one, Zachary was transparent, knowledgeable, assessed my company quickly regarding being qualified for SBA loan, and provide clear and consistent communication regarding the process. I've already referred him to multiple business partners and I'll be a repeat customer as well.”
"Fantastic experience!"
“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.”
"Fast, efficient, sharp and thorough"
“Just want to give a shout out to Kenneth Berlin. He was my point of contact . He was fast, efficient, sharp and thorough. His guidance and expertise were reassuring, especially considering the overwhelming world of lending . For your business lending needs, Kenneth will be your advocate. My team thanks him too.”