The SmartBiz Bank, N.A. Established Business is a business loan from SmartBiz Bank, N.A.. The ongoing APR is Variable: Prime plus 4.75% for SBA 7(a) loans of $150,000 and less; Prime plus 3.0% for loans over $150,000 up to $350,000. Approval typically requires a credit score of 650 or higher. Typical credit limit: $50,000 - $350,000. Loan terms: 10-year repayment terms; SBA-capped variable rate. This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Streamlined SBA 7(a) loan marketplace. Pre-qualification in minutes. Bank term loans and SBA loans. Need 2+ years in business. Also offers custom financing. Uses FICO SBSS score for SBA loan pre-screening — minimum 155 SBSS typically required.