SmartBiz
@SmartBizBank
We’re on a mission to empower small businesses to thrive by enabling access to the financial services they need. Member FDIC.
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We’ve officially become SmartBiz Bank, N.A.! Combining forces with Centrust Bank, we've never been more excited to provide U.S. small business owners with the banking solutions they need to thrive. #SmartBizBank Read more: hubs.ly/Q03c9By10 Member FDIC
At SmartBiz, we don’t believe in making you chase updates or wonder where things stand. From the moment you apply, our team keeps you in the loop clearly, consistently, and with care. Because seeking funding should feel like a partnership, not a process you have to manage alone.
In our latest blog, we’re breaking down what SBA debt refinance is, how it works, and what you need to know before you apply. hubs.ly/Q03RDbnp0
Every month, small business owners come to SmartBiz with big goals, and we’re proud to help turn those goals into progress. From a family-run cafe to a fast-growing plumbing provider, and even a chiropractor, we had the privilege of helping entrepreneurs secure capital.
Cash flow feeling a little spooky lately? An SBA loan may help smooth things out. No tricks, just smarter funding. Let’s make it less scary: hubs.ly/Q03MB_CP0
As a small business owner, you want a partner who not only understands your unique challenges, but is also committed to your success. Many banks, like SmartBiz, are stepping up to fill this role. hubs.ly/Q03MC4__0 Member FDIC
You can typically borrow between $50,000 and $350,000 with an SBA working capital or debt refinance loan. Loan amounts depend on factors like your credit profile, business financials, and how long you've been operating. Learn more: hubs.ly/Q03MB-Wy0
Shutdowns may create uncertainty and stress, especially around finances. If you're experiencing temporary hardship, consider reaching out to your financial institution. Many banks may offer assistance or flexibility on payments. Support may be closer than you think.
As of September 17, 2025, the Federal Reserve lowered the federal funds rate by a quarter of a percentage. Now may be a good time to review your borrowing plan, compare your options, and consider preparing your application. hubs.ly/Q03MBBFJ0 Member FDIC
smartbizbank.com
How Interest Rates Influence SBA Loans
Even with fluctuating interest rates, an SBA loan is often regarded as an affordable and flexible way for your small business to cover day-to-day expenses, expand operations, or even refinance more...
At SmartBiz, we believe applying for a loan shouldn’t feel like a guessing game. That’s why our team keeps you in the loop at every step, including clear updates, responsive support, and zero ghosting. This is how small business lending should be done.
When Russell Wahl’s wife was diagnosed with leukemia, running Sonoma County Carpentry the same way wasn’t an option. He needed support, not just funding. That’s when he turned to SmartBiz.
While essential services may remain operational, much of the Small Business Administration (SBA)’s loan processing and support systems grind to a halt. Read our blog to learn how now may be the right time to prep your application: hubs.ly/Q03Mzk1X0 Member FDIC
.With longer terms, lower down payments, and competitive rates, SBA loans may offer the financial breathing room restaurants need to grow sustainably, even in a high-pressure industry. Read our blog to learn more: hubs.ly/Q03Mzbjs0 Member FDIC
Refinancing your existing debt with a lower-rate SBA loan may help reduce your monthly payments and free up valuable cash flow. That means more flexibility to invest in what matters: your team, growth, and future. Learn what our customers have saved: hubs.ly/Q03HPlf_0
Missing documents. Mismatched financials. Unclear loan purpose. These small missteps may cause big delays in getting funded, and we know how valuable your time is. At SmartBiz, we guide you through the process step-by-step to help you avoid the bottlenecks before they happen.
Behind every small business is a story, and we’re proud to be part of Beer Cellar’s. When David Hawley needed funding to grow, he didn’t just want a loan, he wanted a partner who would show up. That's where SmartBiz stepped in. Member FDIC
At SmartBiz, we know SBA loans can sound intimidating. That’s why we’ve built a process that’s not only streamlined and fast, but supported by real people who care. From your first question to your final approval, you’ll never be left in the dark.
Financial resilience isn’t just a buzzword. It’s your business’s ability to absorb shocks, adapt to change, and keep moving forward when the unexpected hits. And for small business owners, it may make a huge difference. Member FDIC hubs.ly/Q03H-qQ50
We’re proud to have helped small business owners across the country secure over $9 billion in capital. And we’re just getting started.
Q: Does SmartBiz require a business plan to apply? A: No. While some traditional lenders might ask for one, our streamlined process focuses on the essentials: your financials, credit profile, and business history.
These hidden slowdowns can quietly hold your business back, even when everything looks like it’s running smoothly. The good news? Once you spot them, you can typically fix them. hubs.ly/Q03zD4HR0 Member FDIC
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