Welcome to SmartBiz Bank, Financial Services Designed Specifically for Small Businesses

Summary

SmartBiz Bank describes itself as an SBA lending partner offering financial services designed specifically for small businesses. It offers a check to see if a business prequalifies for an SBA loan in only 5 minutes, and prints customer stories from Sonoma County Carpentry, Off-Road Vixens, and School for the Dogs. It states that over 50% of its customers have used proceeds from SBA 7(a) loans to refinance and consolidate debt, saving an average of over $117,000 per year in annual debt payments. A footnote bases that figure on internal data from applications processed by SmartBiz in 2024. It also lists 230 K+ business owners funded and a rating of 4.7 out of 5 based on 16,366 reviews.

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Welcome to SmartBiz Bank

We’re your SBA lending partner, offering financial services designed specifically for small businesses.

Apply for an SBA Loan

See if you prequalify in only 5 minutes without impacting your credit score 1

"The loan service was excellent from start to finish. The entire process was fast, clear, and very professional."

Marjorie Carrasco, More Profit LLC April 2026

Excellent 4.7 out of 5

By the numbers

$ 9 B

Delivered to small businesses 2

230 K+

Business owners funded 2

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

See if you pre-qualify

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:

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.

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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.

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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.”

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Business banking redefined

Our mission is to empower small businesses to thrive by enabling access to the financial services they need.

We fuel the growth of our small business customers through thoughtful innovation. Gone are the days of complicated, slow, and outdated banking processes designed for large businesses. We've redefined the banking journey specifically for small businesses by combining cutting-edge technology and personalized customer support. And when it comes to SBA lending, we help you navigate the noise towards a ‘yes’ quickly by making the complex clear and the process seamless and streamlined.

Welcome to a new era of small business banking.

Partner with SmartBiz

See what we can do for you and your clients. Industry-leading companies to neighborhood CPAs choose to work with SmartBiz because our affiliate plans are competitive and deliver value. We collaborate closely with our partners to identify customers for our financial services while leveraging personalized support to streamline the process, delivering faster decisions.

Become a partner Log in to Partner Assist

consolidate debt

Save thousands by refinancing with an SBA Loan

Over 50% of our customers have used proceeds from their SBA 7(a) loans to refinance and consolidate debt, saving business owners an average of over $117,000 per year in annual debt payments. This translates to lowering their monthly payments by nearly $10,000 on average. 4

Learn how you can reduce the burden of high-interest debt with an SBA loan.

Learn More

Trusted & Loved

Our customers say Excellent 4.7 out of 5 based on 16,366 reviews

Access to the right financial solutions for right now

SBA Loans Lower interest, lower monthly payments. See if you pre-qualify, without impacting your credit score. 1

See if you pre-qualify How do SBA Loans work?

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- We conduct a soft credit pull that will not affect your credit score. However, in processing your loan application, SmartBiz Bank and 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 may impact your credit score.
- Numbers based on internal reporting and metrics.
- Subject to credit approval. Your loan amount will be determined based on many factors, including your credit and financial profile. Not all applicants will qualify for the full amount.
- Based upon internal data from applications processed by SmartBiz in 2024. Actual refinance savings will vary based on loan size and rate, as well as the amount and pricing of debt refinanced.

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