SmartBiz SBA Loans Established Business — Business Loan

The SmartBiz SBA Loans Established Business is a business loan from SmartBiz SBA Loans. The annual fee is None. The ongoing APR is 11.25% – 12.25%. Approval typically requires a credit score of 650 or higher. Typical credit limit: $50,000 - $350,000. Loan terms: 10 years. This product reports activity to your personal credit report. 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.

Sources & citations

• https://www.smartbizloans.com/contact
• https://www.smartbizloans.com/ | 2026-04-23
• https://smartbizloans.com
• https://www.smartbizloans.com/
• https://www.smartbizloans.com/ | "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 sco" | 2026-04-23
• https://www.smartbizloans.com/ | "See if you prequalify in only 5 minutes without impacting your credit score." | 2026-04-23
• https://www.smartbizloans.com/ | 2026-04-20