Working Capital
in partnership with SmartBiz Loans
BANK TERM LOANS
Loans from $30,000 to $200,000
Fixed interest rates from 6.99% to 26.99%*
2 to 5 year terms Monthly repayments
No pre-payment penalties
SBA BANK LOANS
Loans from $30,000 to $5,000,000**
Variable interest rates from 6.75% to 9.00%*
10 to 25 year terms Monthly repayments
No pre-payment penalties or balloon payments
Who Qualifies?
Business
Characteristics
2 years in business
US based business
Cash flow to support loan payments (verified with tax returns)
Personal Characteristics
of Business Owner
Good Credit
No bankruptcies, judgments or foreclosures in last 3 years
No outstanding tax liens
One Fast and Easy Application
Our streamlined, online application lets you apply for both the bank term loan and the SBA loan at the same time.
Get started now without impacting your credit score.***
About our lending Partner : Smartbiz Loans
SBA loans through banks in the SmartBiz lending network have a variable rate of Prime Rate plus 1.5% to 3.75%.
Smartbiz Loans will conduct a soft credit pull that will not affect your credit score. However, in processing your loan application, 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 happens after your application is in the funding process and matched with a lender who is likely to fund your loan.
Interest rate on bank term loans depends on loan term and the applicant's credit and financial profile.
Monthly payment rate on bank term loans is based on a qualified applicant receiving a 5-year term at an average interest rate of 8.99%.