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Founded: 2009

Location: 417 Montgomery St, San Francisco, CA 94104

Website: www.smartbizloans.com

Our Review:

Overview: SmartBiz Loans partners with lenders to make it easier for them to lend to small businesses. The company website serves as a combination of an online SBA loan marketplace and a bank enabling technology platform.


Loan/Cash Advance Amount $30,000 - $350,000 (working capital)
Minimum monthly revenue $50,000 in annual revenue
Time in business over two years
Minimum credit score 555
Repayment terms 10 - 25 years

Key Features:

  • Good for both small and large businesses
  • Substantial paperwork to complete
  • Funds allocated for debt refinancing, working capital, commercial real-estate
  • Customer support availability
  • No prepayment penalty
  • Some additional fees may apply
  • Somewhat lengthy application process
  • No cash advance available

Consider if:

  • You have an established business (two years at least) and can wait a few weeks for the loan to be funded.
  • Have good credit

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