SmartBiz Loans

I've had a terrible experience with the financial aspect in trying to get my business off the ground. I was sick and tired of going to anybody who said they could help us and they couldn’t. So, this time I went through the SBA and put in a request for them to connect me with somebody that could help us with SBA loans. They shoot out my information and SmartBiz Loans contacted me and I got a loan from them that's called 7(a). The enrollment process was horrible but it was all because of the SBA requirements which are too strict. They put quite a bit of burden on the small businesses as far as paperwork and they make it almost impossible to get a loan. But SmartBiz did a great job of helping us put our package together. Without them, we wouldn’t have gotten the loan.

A friend of mine got a loan through SmartBiz Loans and when I needed some extra capital for my business, I went with them. Everything went smoothly and it was a pleasure dealing with them. During application, I spoke to Teddy and he walked me through the whole thing. They helped with which documents I needed and how to write the documents to get the loan done. I had recently done an SBA loan, so I knew the process myself, but they worked through with it. It was very pleasant and it was done very professionally. Working with them cut my interest rate and I paid down some higher debt with that. I was paying 12% and now, I'm paying 8%. So, that’s saving me some money. If a friend asks about SmartBiz, I would tell them that they should try them.

We were looking at changing up and consolidating and went with SmartBiz Loans. The application process was fairly smooth. They asked for financials and what we were looking for and we came to an agreement. We interacted mostly via emails with a few phone calls. They gave me the guidelines of what was needed.

I was exploring the idea of doing an SBA loan but I wasn't ready last year. I always kept SmartBiz Loans in mind and when I was ready, I reached out to them for business expansion financing. Their SBA interest rates were much lower than any other, so I figured it would be smart to deal with them than another company that had much higher interest rates. There was a particular individual that I dealt with the whole time and he was as professional as he could be. Overall, the process was smooth and incredibly easy. It only took a couple of weeks. Working with SmartBiz has improved things quite a bit for me, so I couldn't be happier. I recommend them.

I was looking up SBA loan processes and SmartBiz Loans popped up. I did a research about the company and found that it seemed legit and good, and we went that way. They made the process faster and worked with the broker for me. I didn’t even know that stuff existed and I thought you'd have to do it straight through the bank. So, it makes it easier. I had to give a lot of documents through the process, but in general, it was all fairly easy because I could do everything electronically. And for me, that’s great. I don’t have to mail stuff in. I could just scan or do whatever I needed to do which was great. And then, if they needed adjustment or something, they just tell me.

I researched a little bit, looked at all the pros and cons on there for SmartBiz Loans, and it seemed pretty good. I got an SBA loan from them and the process was pretty easy especially if you have everything on QuickBooks. I keep very good track of all my paperwork, my LLC, and my taxes. I had them all right in QuickBooks, sent them to SmartBiz, and I was funded within a week and a half. The people at SmartBiz were very helpful, and they got right back with me immediately. Anytime I had a question, they could answer it right away. They walked me through the process and they were wonderful to work with. I enjoy going to work today because I know I can grow and I've got plenty there, and the payment back is not out of reach. I would highly recommend SmartBiz Loans.

I was referred first to the VA and then to the Small Business Administration. SmartBiz Loans was one of the companies we were paired up with. We picked the first three that responded and began sending off paperwork. It was SmartBiz that responded first and seemed to be the most aggressive, so that's who we chose. We assumed that they wanted our business, but the number of documents needed during the process was insane. I can go to my bank and they would loan me any amount of money without any documents. Or I could buy at the Harley-Davidson a Smoke Crystal Matte and drive it up and down the freeway without any problem.

We were expanding and hiring some new employees. We worked with SmartBiz Loans and our agent was Hunter. He really worked hard to get the loan done, and that was really big for me. He was just very encouraging, and he was immensely helpful. Wherever he could help, he tried his best to help, and made the process as smooth as he could. The process was more difficult than I thought it should have been. They asked for way too much stuff in underwriting and didn't answer everything upfront. They kept asking for more and more and more. It was just a daunting undertaking to try to get them everything. They should have given me a list of the things they needed initially, and not five different times.

I received a postcard about SmartBiz Loans and when I looked online for reviews about them, they were mostly positive. The application process was easy and their rep was very attentive. Everything about him is good. Working with SmartBiz Loans has affected my life very positively and I now have more cash flow.

I sent an inquiry to SmartBiz Loans and they got back to me right away. We started the process and it went very smoothly. An SBA loan is a little bit complicated but other than that, it was fairly straightforward. The guy who was in charge of my loan did a wonderful job. He was right on top of things. I answered back to him promptly and got him the stuff I needed. We ran into a couple of glitches but they were handled very well and very quickly, so no problems. I am very happy. I wanted to get into consolidation loans and get everything under one rope, and they were able to do that. Now, we're going along very smoothly. SmartBiz does a wonderful job and I'd recommend them anytime.

The ease of the process and the amount of information when I called to inquire at SmartBiz were really good. Their application process was very self-explanatory as well. When there were questions, I was able to speak to a person who worked with us and it wasn’t like I had to talk to 50 different people. I was able to speak to one person and he was very approachable and very knowledgeable about the process and what we needed to do. I never had a time when I could not get a hold of him and it was even over a holiday weekend when we were working with them.

SmartBiz has a lower monthly payment instead of us paying $4,000 on to Biz2Credit. It’s around $1,800 less so it’s a bigger leap and I’m getting a bigger loan. Also, the application process was very easy. The SmartBiz team is great. They’re easy to contact and work with and the rep is very professional and friendly. It’s good working with them because I've got some extra money for working capital to help me get out of debt.

I wanted a business loan with a company but they said they could not give the amount I was looking for. They recommended SmartBiz Loans. SmartBiz was phenomenal. I worked with Chris. Chris was just very good and very responsive. He would call and respond immediately if I ask a question. He helped me out. It was a very positive experience and working with them has helped my business.

I helped handle everything with Radhika at SmartBiz Loans and she was amazing. She was very responsive to everything and was very easy to get in contact with. If I had a question, she would get back with me immediately and she always kept us informed. She went above and beyond. The process took 30 to 40 days and a couple of weeks of that was getting information that they needed to get it started. It was time-consuming but it wasn't hard. Working with SmartBiz has been great because it helped me pay off some things that I needed to pay off and it gave us extra working money that we can start up new jobs with.

It was interesting to see what SmartBiz had to offer. I get a ton of that stuff every day and SmartBiz was a little more interesting than the other garbage I get. I received a 10-year SBA loan from them. The rep I had, Zach, was excellent. He was very nice and very patient. Some of the stuff was irritating at times because he was so detailed to make sure that all the Ts were crossed and all the Is were dotted. We got through it and we got the loan. I'm grateful for it. It was a long drawn out process, but it wasn’t too long.

The SmartBiz rep said I was pre-approved for a Small Business Association loan and the interest rate then was only 8.75%. That sounded like a good deal for me to pursue so I did. Their reps were friendly, professional and helpful especially Hunter, the guy that I ended up dealing with the whole time. He was fabulous. SmartBiz certainly made life better for us to be able to get through to the next thing.

I was looking to resolve a debt and SmartBiz Loans offered SBA Loans. The process was easy. The team at SmartBiz Loans was outstanding and they got the job done up to the finish line. I had a perfect experience.

I was looking for an SBA loan to expand my inventory. Since someone had a good experience with SmartBiz, I chose them as well. They went over my personal credit and they asked me for my business' financials. Once they reviewed everything, they said that there's a good possibility that they could get me approved by one of their banks. The officer-in-charge of my application, Hunter, was knowledgeable. And during the entire process, there was nothing that caught him off-guard. He had a plan for any obstacles we encountered, including convincing my landlord to sign the subordination agreement. While it took a while to convince him, everything else was smooth sailing. In the end, SmartBiz made the loan process extremely easy for me. Working with them improved the financial situation for my business. So, if others would need a loan, reach out to SmartBiz.

I had gotten a brochure in the mail from a local bank, and they referred me to SmartBiz Loans. Initially, they asked how much I needed and what I planned on doing with the loan. Thereafter, we got down a little bit closer and got into the nitty-gritty about exactly what I needed and what I wanted to do. They wanted a lot of information, which I had to get for them. Still, everything lined up and went relatively smoothly and there weren't any hold-ups that amounted to anything. Plus, everybody was positive and reassuring. While the process was a little bit slow, the problem was more with the bank. Once the application went to the bank, it seemed like there was a couple of weeks that I just sat there and didn’t do a whole lot.

We're going through a really fast growth period in the company right now and so we needed some working and some marketing capital. SmartBiz Loans offered the loan type that I was looking for, which was an SBA loan and it was something that had a longer-term than anybody else could offer. The application was a long process. Because an SBA loan is backed by the government, they wanna have everything in place. But the thing that's great about SmartBiz that I really liked was that they're the intermediary between myself and the bank that ultimately takes the loan and gets it backed up by the government. 97% of people that are presented to a bank by SmartBiz end up getting funded. The reason for that is because SmartBiz knows what the auditors at the bank are looking for. So while the application process was tedious, they did a good job of getting us to where we needed to go.

I was seeking financing for a working capital and an expansion of our current business. My wife found SmartBiz online and they made our process sound a lot easier than a lot of the other ones. It was an extensive process that took six to eight weeks, but we expected that. The rep was very personable, which is what we like. Working with them has really helped us grow on what we needed. We had a great experience and I have recommended them to couple of friends already.

I needed a working capital and SmartBiz Loans had a longer-term payback. I expected that there was going to be a lot of documents that had to be filled out, whether I went with a small business loan or not. If I went to the Small Business Administration, they would have made me fill out the same documents but they would have sent me home with the documents and wouldn't have given me much help. So I thought SmartBiz's process was fairly good with them being available to help me and to answer questions along the way.

I was seeking financing for business expansion. I went to the Small Business Administration and filled out a form, and SmartBiz was the first company that called me. I loved the guy I talked to. He was kind and seemed considerate of what my situation was because I'm a small business owned by a single mom and I'm also an immigrant. They were really clear about the documents they wanted and it was easy to upload them on the system that they have. They kept me in the loop and everything was good. The process took six hours and I had a fantastic interaction with the reps. SmartBiz Loans affected my business positively. I needed to get this loan and without a loan, I don't know what I would have done. I have already referred SmartBiz Loans to people.

I was looking for a working capital and I was looking to refinance another loan and SmartBiz offered me an SBA loan, which was something I really wanted to do because it meant working with a real bank and not some third-tier lender. I didn't get the working capital but I got the refinance of the other loan. I was a little confused at first because I thought I was dealing with the broker but then it turned out they were just somebody that was partnered with SmartBiz and it turned out that SmartBiz was doing all the work. I never heard from the original person again but the SmartBiz people were terrific. They were very friendly and knowledgeable and they worked really hard to get it done.

SmartBiz offered good rates and looking to be more liquid, I took out a business loan with them. I was pleased that I got a fair offer. Every other company I was dealing with was giving these massive high percentage of loans or just terrible loans. The process for the SBA loan was two-weeks of gathering details so it was a long one but Hunter, the guy I worked with, was incredible. He was easy to get along with and very willing to go the extra mile to help. SmartBiz is a blessing and I would recommend them. They were professional and they would give clients what they are looking for.

SmartBiz knows what they're doing so you should get a loan from them. We were brought to SmartBiz by some other Diamond Capital group. We were seeking financing for business expenses like extra inventory and product expansion. I've heard of Smartbiz's name before so I knew I could trust it versus some new name company. The application was easy and they asked for bank statements as well as other things about the business. They'd hold me and asked about 20 items. If I didn't have it, they'd tell me how to get it. It was easy to upload the documents. It took about a month to collect all the information and after that, it took about a week for funding. So, it's really good.

SmartBiz Loans was a recommendation from Fundera, and they reached out to me and I started working with them. There was an online application where it told you each step of every document that you needed to submit and the process to get an SBA loan was much simpler than I thought it was gonna be, which was great. The representative I worked with from SmartBiz Loans was very good at his job and working with him was wonderful. He guided me step by step through the whole process and made sure there were no hiccups along the way. If I had questions, he was always available to talk on the phone. He was very responsive and he would send multiple emails on the same day. He also did some external work for me in order to get the loan moving along the loan application process.

I had a Funding Circle loan and SmartBiz Loans contacted me. They said that their standards for an SBA loan were similar to Funding Circle so I could consolidate some stuff and make my life better. And that’s what I did. An SBA loan involved a lot of documentation and red tape that I gotta go through, and the guy at SmartBiz who I worked with was very helpful, informative, and patient. It was a long experience, but it was good. Without their help, I would have never gotten through the whole process. SmartBiz consolidated a lot of high-interest loans into a manageable payment and I got a light at the end of the tunnel. Hopefully, by the end of the SBA loan, I’d be debt-free and everything will be good.

I began the lengthy application process with SmartBiz in mid-April 2018 and found out yesterday that 7/25/18 that my business financials would not meet the loan criteria for the SBA. I was not happy with that outcome, but understood as our business had a difficult 2017 financially. We made some bad hires that affected our profitability very negatively. I was prepared for this outcome and honestly as we went through the process our financial fortunes were improving. So the money was not really needed as much as wanted for expanding the company and accelerating our growth. However, in going through the process there were 2 things that bothered me greatly about the whole deal.

I had an SBA loan before and I thought that I would try that again since I wanted to expand my business. I found SmartBiz Loans on Google as it popped up under SBA. Applying at SmartBiz wasn't easy and the process took three months, which was longer than I thought it would. My credits gotta be perfect and my bank accounts gotta be good. Also, I had to have all my ducks in a row before the SBA is gonna loan to me. Still, my experience with SmartBiz was great and working with them helped me get my business expansion up and running.