SmartBiz Reviews

I applied for a PPP loan a month ago and have received two emails saying it was processing in the beginning and nothing again. I tried calling but its says to email and I've now emailed a bunch of times and no one has gotten back to me ever. Is this just a big scam?

I applied for a PPP loan on April 5, 2021 and signed the loan docs on April 15, 2021. And then, nothing, until yesterday when I received an email stating that I was declined. What?! Why?! After I have received an SBA number and signed the docs? I sent an email with questions but after reading these complaints I have very little hope that my issue will be resolved or even responded to. The program is now depleted and I was sure that I was okay. My experience with Smartbiz has left me with a sour taste in my mouth. Hopefully, this issue can be resolved and my business can receive the funds it so desperately needs.

I applied for a PPP loan with SmartBiz on March 24. I received an application number and it said 100% complete. I emailed several times for an update. No response. I call only to get a recording that doesn't allow you to speak with a person. I originally went on Kabbage to apply but they referred me to Smartbiz. I am beginning to think this is a scam. They now have all my business information and I cannot get an answer on my PPP loan. Do not use this company!

I hate companies that do not respond to customer inquiries. These guys are a joke. They quickly processed my PPP application and sent loan docs for signature. I signed immediately and returned to them. That was 3 weeks ago. Not the "couple of days to funding" promised. No answer to multiple emails.. just dead air. A simple "we are working on it" would be nice. But I guess that's asking too much. I will not use them again and recommend that you steer clear.

I have attempted to contact Smartbiz who brokered my 1st draw PPP loan with Customer Bank. I have put tickets in, made phone calls, spoke with Customer Bank who referred me back to Smartbiz, and still no one is helping me.

I have an application that I sent in since 3/12/21 (over 1.5 months ago) for my ministry for a PPP loan. I have sent over 6 emails and today I get an email that they can't submit it because "Improper guarantor identity authentication". Mind you, you have to submit countless of documents in order to verify identity and it would have been zero issues for me to send them whatever they needed to verify. This denial is just a blow off. I understand you have countless of applications, but now they are just writing people off. Our ministry helps the homeless and addicted people in the streets and we need all the help we can get. To get this kind of treatment is so disheartening, especially when you really need it to help others. I would love to be able to give a positive review, but no one will get the help they need through SmartBiz. :(

Close to 100 approved and FUNDED loans in 2 months. Their website says that they pay 7-10 business days after the loans are funded. Never received a payment. They have not responded to any of my emails.

I applied for the PPP with Smart Biz online, was approved and signed all documents. I then received verification the funds would be released in1-2 business days, that was 12 days ago. I have tried to call several time and only receive a recording that repeats over and over. I now have emailed them 3 times as the recording prompted and still have heard nothing??? Am I the only one having this problem???

Smart Biz Loans was the one to funded my first round PPP loan so I figured they would streamline the process for the second round PPP loan. I could not have been more mistaken. I have submitted my application 45 days ago and I’ve gotten not a single response on it. They haven’t even looked at the application once. It’s literally sitting just as if I just submitted the application after 45 days. What the heck is going on.

I was having trouble for months with the bank. Once I went to SmartBiz' website, I did it in less than a day. I got approved right away. I ended up getting the PPP. Their software is so savvy that you don't even need help. It's great. It's super easy and fast. I fell in love with it. They're very communicative via email. They don't drop the ball. They're constantly updating. That's something that I like, too. Working with them helped me pay rent. It also helped me keep one of my employees employed. I'm trying to refer people to SmartBiz. I did recommend another business, and they also got approved.

Applied for 2nd PPP loan. I have received no response in 36 days. My app was deemed by them completed on March 17th. There have been no requests from them for me to provide more info. Terrible company.

I did everything I was asked but still haven’t heard anything in regards to the loan or anything else. I’m starting to believe this company is a fraud and if they are not going to help just please release my application so I can try another loan agency.

I applied on 4/6/21 and signed funding documents on 4/15. The same day my account went into funding status on Smartbiz website. It still says I am in funding and it typically takes a few business days for funding. Now on 4/20 I still haven't received the funds and I can't get a straight answer. I just wish some could truly tell me what is going on. Hopefully something changes and I can update.

I thought that Smartbiz was wonderful, until today. I received my SBA Loan number and even got funded. Unfortunately, my bank rejected the deposit. Then today I look up my status and it states SmartBiz - Improper guarantor identity authentication. I do not know what to do from here and no one will return any of my emails. I have already been funded so are they keeping my money?

Applied for SBA PPP loan. The application seemed clear-I completed it as required. Every day I received an email for one more upload-even though I had completed the initial list. I assumed there would be an end...finally I was informed that it was reviewed and ready for the lender. For about a week I received a can email every other day and then NOTHING!

My wife applied for a loan for our small business over the internet. They asked for some follow-up paperwork, we e-signed for the loan, and it was deposited into our account. They were very fast with the loan and we appreciate their help. They really seem to work well with the government.

I applied for a loan from them almost a month ago. I referred 3 friends to them. All of which who have received their PPP money by now. But they haven't gotten to my application yet. I try to call, and they won't accept calls right now. They have ignored my multiple emails for the last few weeks.

I went online and I subscribed to SmartBiz, and I get emails, news and updates from them. Their signup process is much easier. It was faster, too. In the beginning, I kept getting declined and I didn't know what to do with all that government site but when I reached out to SmartBiz, they sent me an email and showed me exactly how to do it. It was really easy. I got a little grant of 1,000 and then I did a PPP because I have a quilting-sewing business and a craft. I started out three years ago and then in ‘19, I was starting to take off. I had to push it hard because I got closed in. I couldn't leave my home. I had to travel 1,000 miles to sell my quilts. So, I lost a lot of money in 2019.

I applied to four people at the same time. SmartBiz Loans was the first one to respond to me, and it was very quickly. Then they assigned a guy. He was outstanding. Within days, the process was done. I was shocked. I applied to a bunch of people because apparently, it doesn't matter where you apply to as once you get one, all the other gets canceled. I liked SmartBiz a lot because their application was much more straightforward than others. Their IT system is very streamlined. They're very professional, very efficient, and their follow-up is phenomenal.

My CEO forwarded me a link for SmartBiz Loans which we received. We were desperate to apply for PPP and I went ahead and used this link, and it was awesome. I just submitted the documents they requested and answered the questions. It was very easy. Then after I submitted, they were communicating and said that they received the application, it's in process, then they are reviewing it, and it's going to SBA. It was very helpful. If I had any questions, I emailed them. They replied back and we received the funds after a week. They were 100% awesome. They helped us financially with cash flow and be paid off. We use them for PPP loan and they were very helpful and I would highly recommend them.

Wow, I waited over a month for these people to finish their review and tell me (sorry) they could not refer my application to the lender for a reason “Improper guarantor identity authentication.”? Is this a Joke? I have an SBA loan on my businesses and recently got funded with the SBA EIDL loan and never had any problem with my identity authentication. We have three credit reporting agencies, and they all have my information. I don’t know who these people are dealing with or even if “SmartBiz” legitimate? Live and learn—21st-century online platform scam.

I bank with Chase. They didn't do the PPP too long. There were also some alternative sources, and SmartBiz was one of them. I clicked on the website. It seemed simple to do, so I went ahead and did it. Everything was very easy. The first couple email were kind of depressing because they said that the Small Business Administration is really slow on these things. Then they said, “Your loan is impressive.” I responded. From the time I first sent the application in to the time it was funded, it was like less than three weeks. It was very quick and easy. I was very happy. I needed that PPP loan to not have to get rid of a couple assistants. So, it was very helpful.

The worst customer experience of my 34 years. They play with your money, hold it hostage, send mixed stories depending on who you talk to. It says I was funded on the 2nd and I am still waiting. 10 emails a day with barley any response. Do not waste your time here. I beg you, stay away if you value your time or money. They had the nerve to ask me to review my experience as I still wait for money that should have been funded to me days ago. It has been a nightmare and I have about given up hope on ever receiving these funds. Miserable experience. I'd rate 0 stars if I could.

Applied for PPP loan on 02/18/21 and loan still in process. More than 1.5months! Tried multiple times to contact SmartBiz Loans and there is no customer service whatsoever. No one returns emails or calls. At this point, I'm trying to find out what other alternatives I have with other lenders. Please don't waste your time with SmartBiz.

SmartBiz is terrible! This company has been holding my PPP application hostage since 2/19/21. I've called and emailed to no end with no response and no loan. In fact, my loan application status has regressed. Per the SBA, I'm unable to apply with another lender unless SmartBiz withdraws my application. This company is going to sit on my application until the PPP funds RUN OUT!

I have been under review since January 21, 2021. As of today (April 2, 2021), the website states that my application is still "Under Review." On 3/27/21, after numerous unanswered emails, Bernard ** replied to tell me that it looked like my application would be denied because of "Improper Guarantor Identity Authentication." I asked him what that meant and he said, "Improper guarantor identity means the processing team was not able to verify that person." I replied, "How is that possible? I have uploaded all the personal required documents you've requested. From my Tax returns, Social Security card, Driver's License, to my Articles of Incorporation, I've uploaded everything you've asked for and then some. What else do you need from me? How can this issue be rectified?" Neither that email or any of my emails after, have been returned.

Weeks have gone by with them pretending to be evaluating my PPP loan application. This company only wants high dollar loans, so if you're an actual small biz, these guys aren't interested. Terrible customer service, and now my company is at greater risk of failure because of the time wasted with Womply and Smallbizloans.

I dealt with Kabbage and they referred me to SmartBiz. My information has been pre-recorded by Kabbage so when I started doing business with SmartBiz, everything has been pre-filled and I just had to do a few modifications. Everything went smooth. It was pretty much a mindless transaction and it was seamless and pain-free.

Smartbiz went over everybody. They work really fast. They were awesome and they killed it. Hopefully they can rock out the loan forgiveness thing because my first one was with Paypal and it was so bad. I'm very happy with SmartBiz. It's amazing.

The website was very easy to use. I uploaded my documents and everything went through. Then, they kept in touch through emails. Everything went really smooth.

I did everything completely online and it was drama-free, quick, and painless. SmartBiz didn't take me through a whole lot of changes and there were no unnecessary questions. The whole process took about two weeks from the date I put in the application to the moment that I had money in my bank account. They did great. I highly recommend them.

There is no communication. You can send emails and get a "canned" response. We will never use them again. The phone number is useless. When they want you to do business with them there is no limit to them contacting you.

No way to check status of application #**. Has been stuck in Smartbiz review for more than two weeks. What is going on? No way to cancel. Don't know if I should try another lender because if you have too many applications out there you might be denied because of more than one application. Latest email was to verify application. Smartbiz what is the next step. The time it it taking I may not be able to get this one or a second draw because I don't know what's happening with this one.

I did the PPP with SmartBiz. It helped to move my business forward. The loan process was not too bad. It’s just some documents take a little while. Uploading the documents was good. If I have questions, the reps answer me. If you have questions, you can email and they call, and you get the answer. You can also go to their website. SmartBiz is a good one. Try it out.

After 3 weeks, the company sent my all documents to sign. :)

I applied for a PPP loan on March 8, 2021. Application was completed 100%. At first they would send emails stating the application was under review. Then on March 17, 2021 receive email stating "Your application is in the final stage of review with the lender. Our lender is verifying that all SBA requirements have been met. At this time we do not expect to require any further details from you." Since then I have sent several emails and never received any replies. This is my 2nd PPP loan. The first only took 7 days to receive funds. Biz owners should be treated with respect, communication is important in any business transaction.

How is this company allowed to get away with this false advertising... DON'T WASTE YOUR TIME. You’ll never get a response. I submitted app 2/17/21. Say I was pre approved and will receive information in 2-3 weeks. Well today is 3/23/21 and I haven’t heard a word. I sent emails no response, I call no live person to talk to, aNd my application say the same thing it said it the begin... This experience is very frustrating so please don’t waste your time and make the same mistake I and others made????

I applied for a PPP loan about 3 weeks ago and have received generic emails. I have now gone with a local lender, due to no responses to my emails. I have tried to call, but then I am directed to email them. I realize this is a busy time, but don't these people want to develop a great reputation for helping people. I am currently waiting for a response for them to stop the PPP loan process with no response yet. The process took 3 hours and considerably less time with a bank. Don't go with these people for a loan...they obviously don't care about helping people.

I applied for loan. It wasn’t a huge amount as I am a sole proprietor. I emailed for status and no response. Was told it should only take approximately 7 days to process. After reading other reviews, it sounds like it’s more the norm. I never write negative reviews, prefer to give good ones. Will change mine and keep updated if this changes.

I applied for a PPP loan on March 5th once the new rules for independent contractors went into effect. I was directed by Womply to use Smartbiz. I immediately submitted all my documents and completed the application. For over 2 weeks I have been in "Review " status. Time is running out to be approved. I have not even been assigned an advisor or had a single response to any questions. It was suggested to me by my bank I withdraw my application and reapply. Nope, can't do that neither since no one will respond. Now I am afraid to change lending services because of all of the delays. Other friends have applied with other lenders and have already received funding. They were not organized or as response as I am. I would like some answers but it doesn't look like that's happening. All I have received is automated emails with no answers except they are busy.. I am considering reporting Smartbiz to the BBB, SBA, and the Attorney General.

SmartBiz Loans has their thing together a little better than the others. The structure was very easy to navigate through and applying to them was great. The only bump in the road has been with my second round. I still haven't heard from anyone about that. They were stating that I had applied through another lender and that I needed to cancel my application with them, but I never applied with anyone else. So, it's holding my second round and it’s frustrating. But other than that, it's been fine. Working with them has helped with the business.

I started with another lender for the PPP first draw. Great customer service and quickly processed and funded the first draw. Since then, I have applied for the second draw with another website that forwarded me to SmartBiz. Application was also easy but didn't ask for key items that I provided for the 1st draw which gave me pause but still I proceeded.

We applied on February 28th through our POS system, Clover. They matched us with SmartBiz so we went through them. The first few days we got automated emails stating that they were processing the loan but since the last 10 days we haven’t got any updates. We didn’t get any replies from the numerous emails we sent. They totally ghosted us. We are two weeks away from the deadline and we have no update and our application online shows that it hasn’t moved. Very disappointing. I will make sure that Clover is aware of whom they match their customers with.

This is my first time doing the PPP and I was referred to Smartbiz by Womply in Feb. it is now the middle of March. I have contacted two people and customer service 8 times. I got one answer. My relationship manager doesn’t respond at all. I got an email on March 5th stating my funding have been processed to my account. After a week, my application was reverted but to the final stage. No one is getting back to me. I have questions. They have turned off their phones at the company. I do not recommend going through small biz loans. The company needs to be shut down. I feel like it’s a scam. Especially when they don’t even respond to you. I could lost my business because of Smartbiz loans.

I got a payroll protection loan through SmartBiz. It went through the bank, and I had an email saying that it was pre-approved, and then it was approved. It was fairly easy and quick to get the loan. It paid my payroll when we weren't working.

I applied on 02/02/2021. Signed loan documents and was supposed to gotten funded but didn't. I was told that a mistake on their end caused the plp number they gave me to expire. So now they continue to ignore me.

I had the opportunity with SmartBiz to fill out the application to apply for the PP loan and I did. The reps reached out to me immediately. They were on top of things and got stuff done. Sometimes, it was after hours after they were done with the office. They tried to gather all the information that they needed to get my loan to funding. They were very professional. They told me exactly which documents I needed to get my loan approved the fastest way possible.

My business got affected by the COVID-19 and I got a PPP loan from SmartBiz. The total process took less than 10 minutes. On their website, it gives you a range of how much you're trying to borrow. I thought the range could go under 10,000, but it would not let me. It's saying that I’m trying to plan for 10,000 amount. I'm not. So, I hope that doesn’t affect my application moving forward. I called the 1-800 number to ask about it but there was nobody for me to speak to.

We were behind on paying my bills so I went with the PPP. The loan helped me to get back in shape in business and get some inventory.

I usually go to my main back and then they recommend which way I should go. They linked me through SmartBiz but I had dealt with SmartBiz before this experience. They told me what to expect and they helped me get me what I needed. I did an SBA loan. They kept me updated every bit of the way. So, I didn't have any problems with them. They sent me emails and told me every stage of the way, what process was in and what to expect next. The process went according to how I expected it to go. Uploading the documents was easy. We had the email address, and we just scanned them up and it's easier to scan now as it is to fax. The representatives were super nice. Working with SmartBiz helped me business-wise.

I applied 8 weeks ago. This is my second PPP draw, clearly I should have stuck with my original lender. I've emailed half dozen times to get generic responses that don't answer my questions each time. The loan (#**) is just sitting in the 'review by our team' status. One email response claimed she was getting a 'processor' on the loan but here it is 11 days after her email and zero movement. I'm going to be reporting to the SBA and BBB as I feel this company is ripping off a lot of people and encouraging more to apply when they haven't even funded the ones that applied first!

I applied in mid January for a first draw PPP loan thru SmartBiz, and their application process online seemed very easy and was not long and drawn out, so I had it completed quickly. However, since then I have received ONE non-generic, Non-automated response to the MANY emails I have sent inquiring about the status of my loan. All the rest on my multiple attempts to actually speak to a live person have been ignored. They don't let you get thru via phone and they don't respond to emails no matter how many you send or who at their office you include in copy.

Unable to reach a human. Received an email stating that I already had a PLP loan request and will not be able to move forward with my application unless I contact the other lender and cancel the PLP #. I sent an email to them stating I never applied with any other lenders for my 2nd round of PPP. Never received any sort of response to those emails, just automated emails stating that my loan application is still in process. I'm guessing that they are still moving forward with the application again but I have not a clue because there is no way to reach anyone at this company and they just keep sending these automated emails and not responding to my emails I'm sending them. Not satisfied at all with the customer service.

I applied for a PPP loan on 2/9. I was told that my application was pre-approved and would be reviewed and submitted within a week. It is now a month later with zero updates or communication from SmartBiz. They have no phone number, so I had to email them. After a few days, someone responded claiming that magically my application had just been fully approved and I would be getting the docs to sign in a couple days. After a week with again no change, I emailed again, this time the person acknowledged that there actually hadn't been a change since it was first submitted a month ago! She flat out lied. I highly recommend you use a different lender if you actually want to get a PPP loan before the funds run out.

(Now you will wait for the SBA/bank approval) fast forward to Feb 19th. (Unfortunately, your application failed a bank required identity validation. As a result, we are unable to proceed with your application. There is no additional information we can provide about the fail.) I haven’t back since.

My SmartBiz loan application was submitted on 1/11/2021. On 2/24/2021 I received an email stating my loan was funded. When I logged into the portal on that day it showed my loan funded. I had not received any funds, no sba loan number or any contact from a lender. On the following day the online portal showed my loan reverted back to a in process status. I attempted to call and email to at least get a copy of the signed loan application. I have gotten no response or communication from smart biz. I also have not been assigned an account manager. This process is nerve wracking. I’m not sure if there was an issue with funding, if my application needs something more..or what. Highly disappointed

The application process was wonderful and the processing time was fast. I've dealt with a lot of agencies that do work like this in my past line of work and sometimes, it can be difficult. But SmartBiz has been very easy and user-friendly. I’ve never heard of them before and I don’t know how the consumer can reach out to them without getting into that bank. If SmartBiz goes out to the consumers and the consumers give them a try, they’ll have a lot of happy customers if they get the same service that I received.

I went in my bank and they referred me to SmartBiz. I was trying to get a P2P loan and they never received the first one. But I called and asked questions. I'm hoping they could straighten it out. I enjoyed working with SmartBiz. They were good, quick and on time.

The reps at SmartBiz were A-plus and they were unbelievably great to work with. I got responses right away. The application process was so easy and I was very happy.

I went through SmartBiz and they went to TAB bank. They were able to secure the loan so they did a good job. It was all online. I had to give them documents and I had to go back a few times but I was able to get them everything they needed.

This is my update for the horrible customer service received. LISTEN now! If you can go elsewhere please save yourself the time and stress. 1. You can't reach anyone by telephone. 2. They rarely respond to emails. 3. I'm convinced 99% of the positive reviews are fake and company written. I applied for my PPP Loan on January 21st. I couldn't reach anyone regarding my loan. About a month later I received a response by email from La'Toyia Johnson stating they have sent my loan over to the bank for review and I should be hearing back from the bank soon. Ok, So I waited about a week before reaching back out and still no reply from them or the bank. A week later, I login to my Smart Biz account and it states this:

Basically, this is a similar experience I had with K Lending. Your application goes into a black hole. I chose SmartBiz Loans since Nav has recommended them and I applied for the second PPP on January 11th. It's been six weeks and nothing seems to change in the portal. "Your application is under review by our team. We will reach out with any questions we may have. There is no action needed at this time." Clearly no action from them as well. I can appreciate it's a small loan and not exactly very profitable but It would seem that if they don't want to complete the loan in let's say 30 days maybe they should not be taking on new clients. This is the type of experience that does not bode well for referrals and future repeat business which would be more profitable.

This company was highly communicative for a week or two after I applied for a PPP loan, sending me an email once or twice a week to let me know they were working on the app and whether or not I needed to do anything. Since then the communication has dropped off. I applied nearly a month ago and have heard nothing in weeks. I can't guess why this is so. Surely, it's not difficult to send an automated email. Has my application stalled? Been rejected? Still in process of approval? Should I apply elsewhere? I have no idea.

SmartBiz seemed to be quicker than other companies as far as getting everything submitted, so we decided to do one of the PPP loans with them. The application process was easy and they did really well.

Because of the rigid nature of the documentation in the SmartBiz portal, my qualifying healthcare contributions were not included in the application, and the 2020 payroll costs were required instead of 2019 - yielding an application for $120,000. My correct documentation yields a PPP of $150,000. I requested in my application comments that qualified healthcare expenses be added to my documentation, I emailed with SmartBiz about it, and these efforts were ignored. As a result, my application for $120,000 PPP was submitted to SBA against my specific instructions.

Applied for a PPP loan through Smart Biz and they were the first ones to move forward with my application. My initial PPP loan last year was a little over 15k - I was only open two months of 2019. I noted this on my application - but when my loan amount was being calculated they were dividing my whole 2019 by 12 instead of by 2 like they were supposed to.

We currently applied for PPP for our current Janitorial Company on 2/1. I am disgusted and upset I have received one email only no feedback. I feel lost, with no communication. We provided all documents upon application submission. We have told others about your services but now I do regret that. We have also reached out to the VP of SBA.

Updated on 03/02/2021: I Received a email from Smartbiz and I was told that my my application is being withdrawn cause I am not interested which is not true. I never told anyone that I was no longer interested. I have all of my conversations with them.

I’m happy with my service except that I cannot reach anyone. I applied Feb. 3rd and received my documents Feb. 10th however the account number is wrong in the documents so I cannot sign. Can’t call them. Emailed a couple times. No reply. I was not assigned a relationship manager so can’t contact them either. I understand they are swapped but I might have to try to apply with another company which is frustrating as their service seems to be the quickest.

One of my friends who is an accountant told me about SmartBiz, then I went with them because I have a couple of businesses and one of them was applicable to this loan that I applied for. The process was excellent, hassle-free and easy. It took me three minutes to do it. The customer support was really helpful and I had no problem uploading the requirements. Their reps were awesome, too. I had an issue where my bank account was not verifying and one of them helped me a lot in that, which was great. The loan that I got gave me a boost to get going and all in all, their service was perfect to me.

Smartbiz was fast and efficient. They've become very innovative. Their online platform is awesome and the link they're connecting me to is better than any of the big banks that my other colleagues had used. I bank with Wells Fargo and I would drop them in a heartbeat. Smartbiz connects with a couple of smaller banks and connects me to those small banks. Their platform was really smooth and it blew away almost everyone I had. I applied for my PPP through them and I was the first out of all my friends and colleagues that got forgiveness for the PPP. They were all impressed. My accountant said: "None of my clients have gotten forgiveness yet. Your bank's on it."

I applied for a 1st draw PPP Loan with this company. The application was pretty straightforward. The communication is awful. You can't call them & they don't respond to emails. I want to withdrawal and go with my bank but I can't get a response outside of a generic email to tell me they are behind. This company isn't equipped to deal with the high demand of these loans. Consider other avenues 1st.

We used SmartBiz five years ago. My experience was very positive. The representative was very helpful, and the response time was also very good. This time, they were also very responsive, knowledgeable and helpful. The loan process wasn't super easy, but it also was not difficult. It was as smooth as I would have hoped. The support individual was also very skilled at giving guidance. I tried to upload one particular document three times and ultimately, my office manager was able to get it done, so for the most part, it was easy and straightforward. Working with SmartBiz, I was able to stay in business.

I'm Half way thru my 5 Years of Repayment Plan on a Chapter 13 Bankruptcy, however, the new Round of PPP Loans specifically States that Lenders cannot use the Bankruptcy against the Applicant in this Round. In the First Round all SBA PPP with previous Bankruptcy was declined and lots of Lawsuits so Congress and Senate made sure they Address the Bankruptcy this time around. Smartbiz states that they updated their Application for this Round, Well I believe they conveniently Forgot to Let the Robots Accept an Application with Bankruptcy on the Credit report. I have been Rebuilding my Credit since the Bankruptcy and am almost back up to 700 Credit Score. So I know an Applicant with Credit scores in the Range of mine (672 Equifax and 669 Trans union) would have zoomed thru the Approval. I Just applied for PPP SBA Loan and got Declined!

We pursued an SBA loan for an existing business and Kapitus, the broker, referred us to SmartBiz, their preferred lender. The process wasn't easy because it was for the SBA loan so there was very complex and comprehensive information that had been requested. But with their platform, everything was all online. The only thing that mattered was me trying to find that information in our business and uploading. The actual uploading part and answering the questions on the platform was very easy.

We've got a few bigger projects going and we needed to expand a little more. We applied for an SBA loan and the process was hell. It was a lot of information and difficult to get. But it was a good experience with the SmartBiz team. The loan helps with cash flow and getting all the things done that need to be done.

I got an email from a company and they were pretty much talking about SBA loans having some interest forgiveness. So, I wrote back to that company and they referred me to SmartBiz. As soon as I was referred to them, it took a while for them to get back to me. It took about a month for them to get back to me. So, I lost the opportunity of being able to go through the interest forgiveness. As soon as we started the process, I dealt with a lady by the name of Pamela. She was very thorough and really prompt at requesting for information and was quite on top of things with everything. So, the process went pretty well. We needed the funding, so, indeed, SmartBiz came in at the right time. It's had a positive impact on the business.

The process through SmartBiz was all done in 30 days. It was quick. It was very easy and very simple, too. That was the easiest loan I’ve ever gotten in my life. It was amazing. It's helped a lot.

I went with SmartBiz Loans for the ease of service and ease of use. Since it was an SBA loan, they took care of most of the legwork for me. We had great interactions and it was a very simple process to upload everything to their online application. They then compiled that and took it to a bank for the actual funding.

A broker in the LendingTree network got ahold of our file and then he began to work with us and gave us really good advice. He recommended that we reach out to SmartBiz and they did a heroic job trying to get an SBA 7(a) loan, which the window had just opened up in the midst of a pandemic as we were trying to expand our company with our own deadlines. They handled it incredibly well. I love them.

Initially, my contact with Nick was very professional. He got back to me on a regular basis and was very open and honest with me about what was available. We provided information about the business. Nick took us to a certain point, and then he handed us off to Tucker. Tucker did all the closing and was very communicative with us and explained everything. When he said two days, it was two days. When he said he'd call me back tomorrow, he did that. Then I got an email saying that the money should be wired in to my bank account the next day. Sure enough, there it was. Very easy. SmartBiz got us a great loan, working capital, SBA. This allowed us to retire some higher interest debt so we can pay it off quicker. It has also given us some liquidity as we kinda go through these next six months. We're down, but we're still working. Just having a little bit extra was kinda comforting to get us through this coronavirus.

I reached out to SmartBiz for my business. I got to the people that when I had questions, I reached out, and they were answered. To file for it, I reached out to my local branch and then they got the application sent over to me, filled that out, and then I reached out to them. I ran into an upload issue. But it was heaven-sent when the young lady gave me her direct email to get the information to her. I was trying for a few days and they said they still were not getting the documents. SmartBiz kept my doors open. I would have shut down if I wasn’t granted that loan. I called back today to see if there was anything on a part two because they were saying on the internet that you could get another if you were still struggling. When I called, they said I couldn’t apply again. Overall, it’s been awesome, helpful, and a blessing. I’m very grateful that they are out there to help people like me or small businesses.

My primary bank screwed me over and I had applied for PPP loan with a couple of other banks and got nowhere. And a friend suggested that I look into SmartBiz Loans. They have a fairly reasonable application process and they replied with a receipt within about three days. And then after that, there was a request for some additional documentation that I supplied. And went back and forth on email three different times ‘till I got exactly the right package of stuff that they wanted. And it was tentatively approved shortly thereafter and then once the package was completely in order my account was transferred to Bank of Utah, who was the funding bank.

I went through CenterState Bank. We had to do the paperwork and then our bank filed all the paperwork for us. And it was on the SmartBiz's site. The best part of the process was I didn't have to talk to anybody and it was easy. Everything was done online. There were a couple little snags as far as uploading stuff. But we figured it out. It was the operator error more than any. Then within 10 days since we started, we had the money. With the loan, we can continue to work and I can pay my employees and they can feed their families. Everybody is happy.

I filled out an application with many financial providers - PayPal, Kabbage, Intuit. The process was a little bit longer. They didn't get back to me soon enough, SmartBiz did. I was like, let me try it for my second business as well. I got both loans through SmartBiz Loans. I received a PPP loan. Initially, because SmartBiz was the first one that I filled out the application with because I got the email from CenterState Bank, I really didn't know a lot. Because like many other people, we had no idea how this all works. This was pretty new to all the business owners.

I went to them for a PPP Loan and spent a lot of time obtaining all of the necessary documentation. I got a vague statement that they couldn't get SBA to go forward, and that I should reapply with someone else.. I Do not Believe that they put due effort into my application.

If you’re looking for a loan, give them a shot.

I applied at CenterState and SmartBiz handled the PPP loan. The application was fine and it seemed straightforward. Also, getting the loan was helpful so, I was glad that we’re able to process it so quickly.

My application with SmartBiz was probably one of the best or easiest and most comprehensive ones that I filled out in a while that are online. They did a good job. I did a paycheck protection plan loan and their people were very good. At first, nobody knew what was going on but then I started to have an email conversation with a person and it went really well. It was really easy and that person got back to me right away. It was a very good experience. It was a seamless process and a great online presence. This is the first dealing I've had with SmartBiz and they have affected my business in a very positive way.

I was looking online for small business loans. SmartBiz had good reviews so I tried them out. The reps were really good. They answered all my questions and they were really good to get back to me when I needed them. We’re out in a rural area so they had a hard time locating us. But it wasn’t really anything on their part. It was just a lot of the steps. The biggest thing was when we got approved and it went through, they had the wrong account numbers on a couple of the accounts that they were paying off. So, the one Funding Circle payment got sent to them, but then it got refunded and sent back to me because it didn’t have the right account number on it. But it all got taken care of and it all got paid off. Everything went really well.

SmartBiz Loans seemed to have a better portfolio of lending options than some of the other providers, which was why I took a small business loan from them. I also found their people to be very professional and helpful. Applying was very easy and from start to finish, it took less than three weeks, which was speedy. They got me the funding that I was looking for very quickly. It was an excellent experience.

I received a phone call from SmartBiz Loans and Miguel was pretty knowledgeable and persistent. If I was busy, I asked him to call back another day. I did that about four times. I also looked up their profile and it seemed legit. I took a loan for a small business. I do a combination of a fish market/soul food with fried fish. Everything is strictly to go, but I'm in Brooklyn and things are getting really expensive. I need to rephase and do a lot.

We needed to get the funding for our business so I looked into SmartBiz. They’re really easy to work with. It was sending a lot of documents which they made really easy by uploading things. Camille helped us through and made it in a timely manner. The whole process took a little over 30 days. We were able to purchase some new stuff and pay our wonderful taxes that the government loves to give us for the year.

The small loan company that I was going through for my high-interest rate loan told me about SmartBiz. They then did debt consolidation and the equipment upgrade for me. The process was very simple and the lady rep I dealt with was excellent. Uploading the required documents was nothing very difficult. The rep sent me samples of balance sheets and tutorial paperwork, and then a blank paperwork to get filled out to do the work. I, however, wasn't very educated on it and at the end, where I continued to use credit card to pay bills, it dropped my credit score. So, the first round was not too good, but after she taught me everything I needed to do, the second round went straight through.

We were seeking for a consolidation and capital. SmartBiz had really good rates at the time, and it seemed pretty straightforward and simple with them. Uploading the required documents was very easy and secured. The representative was able to answer all of our questions that we had and check on things if we thought things were taking a little longer than we thought. He was on top of it.

I researched online for small business loans and SmartBiz Loans populated on Google. Having to upload the required documents to them was really helpful. It was great. That was better than emailing things. The first loan officer I dealt with was Ted, and then the one that finished was Mandy. It looks like Ted moved to another location. But both of them did a great job. I received a working capital loan from them and the whole loan process took about a month. Working with SmartBiz really helped the business. They were very helpful and everything worked out good.

I work with an independent loan officer who connected me to SmartBiz. I got a three-year term loan. I filled out an application, and they recommended the options, and made the process. They did all of the work on that. The entire process took about three weeks. The cost to do it was a little bit high, but the process was fine. I worked with Pamela, and she was responsive.

I got a loan from SmartBiz. It seemed like they were gonna be easy to deal with whereas a lot of the banks wanted a lot of paperwork done. I don’t have time for that crap. Applying, even though it seemed like it was gonna be easier, was kind of a pain in the neck. It was almost like, “Give me this. Now, give me this. That’s all we need. Oh! I need this.” It was so aggravating. Then we had to haggle with them about the rate ‘cause it was a bit high. They are a bit proud of their services. But we got that taken care of and the experience was mostly good. The guy that was helping us was fantastic. The things that annoyed me weren’t his fault. There was stuff he was being told to get. But it could all have been handled on day one.

Applying and receiving financing from SmartBiz was a very good experience. The rep was nice to me even if I was kinda mean to him. The process went fairly easy and the reps always kept me up to date on stuff.

SmartBiz was transparent with what they were trying to sell me and the way the handled the lending process for an SBA loan was phenomenal. Their reps are great. Going with SmartBiz has helped us take our business to the next level. They did an amazing job.

I got an SBA loan through First Home Bank from SmartBiz. I got on with their rep, Skylar who was nice and things started clicking. She was great to work with and was relatively attentive. She has a busy schedule and we didn't connect as much as I would've liked via phone, but she was always available via email. I'd recommend SmartBiz. Through them, we are able to consolidate some debt and purchase additional equipment that has catapulted us to the next level of business.

We applied for an SBA loan with SmartBiz and their team was very thorough and helpful. Our experience was pretty good and everything worked out the way it should. It has made things easier here for at least the time being.

I was looking into expanding our business and my son referred me to SmartBiz. A lot of companies don't provide the SBA loan so I decided to go through SmartBiz. It was a great experience. The consultant always returned my phone call as soon as possible and the loan officer's assistant did an awesome job. There was a lot of documentation to get and put together and they assisted me in that effort. Getting approved was relatively easy and the rate was good. It was 7% and it was a 10-year term.

I was trying to gain some business from another lender and they initially declined but suggested SmartBiz. And SmartBiz was great. They were very cordial and prompt. The customer service was hands down really great. We had some back and forth on some documents. They had to secure the loan through another company, and that company backed out. So I had to come up with some stuff, and I had to redo some things. I’m trying to run a business and grow, and every minute matters for me because I’m that small. I lost a little money with all the time and energy involved in doing it. It was real frustrating, but all in all, it was a pretty decent experience. It was a little aggravating, but it’s okay. We’re done.

SmartBiz Loans got back with us first when we inquired, and so they're who we dealt with for a SBA loan. Everything went well in the process of applying and receiving the financing. It took a little time, about 3 weeks, but that’s to be expected. I also had great interaction with their team. All in all, working with SmartBiz has made a big difference for us. We worked with a guy by the name of Manish who was very helpful and a big deal. It really helped us.

I received an SBA loan from SmartBiz. Their platform was the easiest to use. And the process of applying and receiving the financing was very easy. They have impacted my life in a positive way, and I would recommend them.

Having SmartBiz Loans on my team helped me and they were easy to work with. I got an SBA loan and the application process was very simple. I did the application, they asked for more information, I gave it to them and I was done.

We applied for an SBA loan and it was extremely easy to upload the documents. The entire process took 3 to 4 weeks. There were some ownership changes and some characteristics with our business that were a little unique. Things were happening as we were going through the process, so the delays were outside factors. The rep was instrumental in getting us approved for the loan and the support we were provided had a positive impact on us. It was a rather large cash injection and it helped us sleep a little bit easier at night. We were working with others, and SmartBiz moved us through the process a little quicker and easier. We're very satisfied.

We were looking for operating capital at a rate that was cheaper than credit cards or PayPal, where we were borrowing money from. I was on the internet searching around for various things, reading articles and I came across SmartBiz Loans. I submitted an inquiry and they got back to me pretty quickly. We talked and they explained how they shepherd through the SBA loans which are often a lot of legwork. We had never applied for one, so we decided to engage them to see if they could help us get one.

SmartBiz is very prompt, and they're very good with the customer service. I got a business loan from them and the process was easy. Uploading the required documents was good, too.

I was looking for consolidation and went with SmartBiz for lower monthly payment and lower rate. The business loan was relatively easy to apply for. It was a month-long process which I understand, but a lot of the information that they asked for was redundant. They asked us to have a workman's comp policy for insurance which was not really necessary, and we did not do that.

I needed financing for our business and used SmartBiz as their reviews were top-notch. It's just that the process of getting small business administration loan sucks and it has numerous steps. But that’s not SmartBiz. SmartBiz helped into prequalifying and then from there, it was looking over the documents and getting everything organized and correct. They were phenomenal at it and uploading the required documents was a piece of pie. Their team members were excellent, were there to answer any questions, discuss what I needed, and they could explain why certain things had to go certain ways. The small business administration turned things upside down, but we’re in pretty good shape now.

My experience with SmartBiz Loans was really good and Neil, the rep, was kind, patient and everything worked out for my business. So, I appreciated his services. I got a loan five years ago for my business through another loan person, and he placed me with SmartBiz. It worked really good for my SBA. When they had an automatic underwriting system in place, where it does a free quote, that was a lot better for me too and it was one of the things that I liked with them.

You can get resources for SBA loans through the government’s website. You just fill out your information and then, it matches you with lenders who are in the area or who are on their list. SmartBiz Loans ended up being one of those listed so I just reached out. They were on point as far as communication and they could reach out to a lot of different lenders and banks as opposed to almost everybody I talked to who was just like a one-on-one lending option. SmartBiz had multiple resources. The initial application was online and then, a couple of phone calls to dig into it after that. Everything else was through email and it was quick and seamless. Also, the process of uploading the documents was easy.

I've been working on an SBA loan for literally years with a variety of different lenders, and SmartBiz was far and away the best experience, and able to get our loan closed! We were able to get a loan larger than we expected, and for an excellent rate. Hayden, our account executive, went very far beyond the call of duty to get the loan closed, including texting me back with info on the last night before closing at 10 PM when he was out sick! He patiently walked us through a myriad of documents requirements, and stuck with us during a long and arduous process. Thanks Hayden, and thanks SmartBiz - you are truly a business lifeline!

I applied somewhere and they referred my application to SmartBiz. If you look at the process of SmartBiz, it’s streamlined. It's very smooth and clear. When I did an SBA loan with them, they called me saying they received my application. They asked me for the documentation that I needed to get the process going. The officer I dealt with was a nice guy and working with SmartBiz was great. I have somebody I could depend upon and I really, really, really like the business. The loan that I got from them allowed me to get the business going because we have a lot of unpaid bills. We have a lot of customers that pay maybe 3 or 4 months after we start providing the job. The loan has allowed me to continue doing the payroll and recruiting more workers. It’s a really, really, really useful loan that I have.

My husband talked to a lady online named Wendy who started the paperwork through SmartBiz. We got a SBA 7(a) loan. There was a ton of paperwork. But other than that, it was very easy. However, it would also be nice if they kept in a little better communication. Like when I’d send the email, it would take a day and a half for them to two days to get back. Nevertheless, SmartBiz was a good experience. I learned a lot and the loan made life easier.

My business partner was surfing the net on who could help us out with the SBA loan and stumbled upon SmartBiz. He made the initial pick but it looked like SmartBiz was pretty up there, so he decided to submit the application. From there, we responded. The interface was great which was why we decided on them. The entire process of applying and receiving the financing was very smooth. From the day that I received the call for the documentation, I went ahead and quickly started compiling documents together. Since we just recently moved over to a new CPA, I already had a lot of the documents compiled, so it wasn’t too much of a hassle to get it and send it over to the team to analyze it. Within a couple of weeks, we secured the funding, so it was quick. I met up with a couple of people and they were shocked how fast we were able to secure the loan. Skylar, the rep, helped us out. If I had any questions, I would call her.

I was looking at a couple of companies but I liked the easy procedure of SmartBiz and I was contacted right away by their account specialist. I'm glad that I contacted SmartBiz through Credit Karma. It was a good recommendation. I got small business financing and the process for applying and receiving it was very good. Uploading all the documents was very easy, systematic and everything was fine. Mike, the rep, was wonderful. He was very responsive, responsible and accountable for whatever he did. Working with SmartBiz Loans helped me very good. I can plan my business future very long with this loan and I'm happy that I contracted with them and was successful with the loan. I would strongly recommend people to go to SmartBiz because they're very good, professional and friendly.

I had a painless experience with SmartBiz Loans. I worked with Sigmund, Pannu, and Tara from Acme Restoration and they helped me get everything done. Initially, Sigmund reached out and sent me an email which I had no interest in taking advantage of. However, we had some big projects that we took on and we needed some capital. I then talked to Sigmund and he got everything handled. He told me that SBA loans typically take anywhere from six to eight weeks, and he actually got mine done in two and a half to three. He was attentive and Johnny-on-the-spot. But then, had I not been a mortgage broker, I would have been frustrated with SmartBiz's process because they give A which leads to B, C and D. Still, Sigmund was on top of things so quickly that the process was relatively painless. Other people should go with this company.

Applying and receiving the financing at SmartBiz was flawless. As far as uploading the required documents, it was easy, and I'm not a computer geek. Also, their team was good. I was sad when I had to go to another person and then another person 'cause you get to know the one person, but they were all pretty informative and very knowledgeable. I also felt like they were very personable, like I've known them longer than a little bit of time. SmartBiz has a strong product and and it was a good experience.

I’ve worked with SmartBiz a couple of different times. They were really good to work with. Last last spring, we were growing our business and we needed to have some cash float loans to grow. I met a guy named Dan. He worked with Davis Commercial Finance in California and he recommended SmartBiz to us. They work as a middleman company in-between you and the bank and so they really simplify the process. I would recommend them to anyone.

I was dealing with Fundera on a small business loan, and at the last second, the rug got pulled out from under my feet on some stupid thing from like 30 years ago. The bank got antsy. So, then I got a follow-up call from SmartBiz. They knew that everything was good for approval except for one thing that wasn't even my fault. It was like a judgment that the City of Lansing put on me. They removed it because they realized they did an error, but because it showed up, it took them a while to get rid of it.

I was seeking financing for my business and I heard that the service of SmartBiz is perfect. When it comes down to detail things and figure out what you need, they really focus on it and guides you in the right direction on what’s the best loan. I read a lot of good reviews so I felt good about it. I thought the process of applying and receiving the financing would be more difficult but it wasn’t. It wasn’t bad at all. I could see that uploading documents could be challenging for others but it was okay for me. I have a business so I’m always uploading and downloading, taking pictures and scanning. If I call SmartBiz, they answer the phone every time. Whatever questions I got, they tell me how to do it and the chance of me getting it.

Brian from SmartBiz seemed to do a great job so I worked with them. I got an SBA loan and the process was outstanding. Brian was very professional. He knew what he was doing. He knew how to explain that it was just monkey-ropes. He told me the way to present things for the best results. He was very clear, but he coached me well so that I was totally honest and totally aboveboard. It’s been a positive experience ‘cause the SBA loan just made it so that my company could move forward.

SmartBiz Loans was fast and their system was very easy. They gave me the amount of interest before they even gave me a call which was what I was looking for. I didn't want somebody to call me every two minutes. The rep, Kevin, was a very nice guy and I already sent him to other customers. He explained everything to me in 15 minutes. If I knew SmartBiz Loans was that effective and fast, maybe I would have been working with them since last year. With the loan, I can grow my business and ask them for another one next year.

I took an SBA loan from SmartBiz Loans. They were the second one I looked at and they seemed a little more professional than the other guys. They walked me through a lot of the paperwork that was needed. Some people say the process is tough to go through, but SmartBiz Loans made it pretty simple. I was introduced to a team member that collected all of my documents and uploading the documents was quite simple. He then submitted the documents to the bank and the bank approved the loan. The bank then contacted me and funded the loan. The loan consolidated some business credit cards which was great for me.

I got referred to SmartBiz on Facebook. There's someone who had an ad on Facebook, and I looked it up. They had something online that I saw and it seemed inviting. It's simple to call them and talk to them that way, and so that's what I did. The process of applying & receiving the financing was very easy. They gave me instructions on what to do. I did it and they got me a loan. Working with them has helped us. It took the pressure off of us trying to get money out of our accounts.

SmartBiz did a pretty good job with my SBA loan. When you deal with the short term, a lot of lenders' rates and terms are so ridiculous. And so, the SBA loan was the attraction. We’re a development building company, and SmartBiz came in at a critical time to allow for cash flow to get us through a process that was consuming. The SBA loan was a huge help. It would’ve been really hard for us without their help.

I liked SmartBiz Loans' reputation that I found online. I worked with them and the process was professional and thorough. There was a lot of documentation, but it was all necessary. It was all very well-handled. I had a couple of glitches uploading the required documents where it just didn’t take the document, but that’s par for the course. Most of the time, it worked and we were able to work around through email when I couldn’t get the document uploaded or to cooperate. It was pretty smooth overall.

Every day, I get five or ten calls and I know at least 100 lenders. I talk to them and no one has been as good as SmartBiz. They couldn't be better. Applying with them is super easy, simple and clean. I can apply online or in person and their reps are happy to help me either way. They have great communication. Every time I've worked with them they go the extra mile. If they think it's right and there's something that needs to be overcome, they're just gonna keep working it. Lending is a shady industry right now and SmartBiz's honesty impresses me. I also like their attention to detail, thoroughness and dedication to the account. They really listen and place me with the right lender, not wasting my time. They've changed my business dramatically at least two times.

I like how SmartBiz Loans' website was set up and it looked like they had a streamline process of obtaining and having people get the business loans. Applying and receiving financing from them was very easy. Everything ran smoothly. The rep at the initial call was very professional. And the rep who finalized the loan was super professional and very accessible at all times. So, that made the process a lot easier. Everything was good.

The first time that I spoke with SmartBiz, it was pretty clear that we could make something happen. This was versus the ambiguity of going through a big-time application process, only to find out that it's gonna work or that the company couldn’t do what I needed them to do. At SmartBiz, there was a lot of work to do and the application wasn't something that happened overnight. There were a lot of steps. Still, it was a very enlightening process. The debt that we were reconsolidating was stuff that we had tried to go with places that would finance something overnight. At those places, what we got was never like the kind of the terms that we got with SmartBiz.

The rep SmartBiz assigned to me was very personable. Everybody was very knowledgeable and the feedback was tremendous. If I had a question, they came back with the right answer. I was looking for a business loan and they came through. They were very efficient and financing was a very seamless process. Everything went as planned and within the time that we discussed.

Working with SmartBiz helped me a lot. The loan application process was very fast and absolutely easy. If I got any problems filling out the forms, their people were always on top of it. Initially, I had Michelle, who contacted me, and then I was dealing with Mike. He was the underwriter and he did a great job doing all the paperwork.

I needed financing for business growth and MoneyMan got us set up with two different companies but SmartBiz Loans was most attentive and the easiest overall to deal with. They were the most willing to work with us for our needs. I applied for an SBA loan and there was a ton of paperwork and a ton of information that we had to give. It was a long, drawn out process and it was not as easy as I thought it would but SmartBiz helped us out.

I took an SBA loan with SmartBiz Loans. I’ve been through an SBA process before where I had to do quite a bit of paperwork. But SmartBiz Loans' process seems to be quicker than most and has less paperwork involved, which made me go with them. Most of the application was done over the phone and they filled out any paperwork for me. They asked the questions, I answered them, and they filled out the application.

I was seeking financing for my small business and it felt like the guy from SmartBiz Loans that handled our loan was working for me. Their guys are great and their customer service was second to none. The process of applying for and receiving my financing was a little difficult, but the guys made things clear and let us do the process. Working with SmartBiz Loans is definitely a positive experience and it has helped us grow.

SmartBiz helped us reduce our debt load and improve our cash flow. They had the easiest platform and they’re great to work with. The SBA loan application process was straightforward and uploading the required documents was very easy. The reps were very helpful and deeply knowledgeable too. I'm highly satisfied.

To refinance some debt and cash flow as well as have the ability expand my business, we got an SBA loan through SmartBiz. The application process was simple and quick for the type of loan we got. They offered me the best deal, interest, the terms, etc. and they helped strengthen and grow the business. I’d highly recommend them.

The process was easy but it was also difficult at the same time because it was my first time going through the experience of getting financing. But when I already knew what was coming, it was easy. The experience that I went through with SmartBiz was good and their reps were friendly. I recommend them.

We took a loan from SmartBiz Loans for debt refinancing and working capital. The process of applying and receiving the financing was pretty easy. It was an SBA loan, which meant a lot of paperwork and a lot of uploading. But overall, it was okay. Plus, the interactions with their reps were good. I had a good experience and SmartBiz Loans was really helpful.

With SmartBiz, we were able to improve our business’s cash flow because we were able to consolidate some debt. When I got a mailer from them, I saw the rate and the pre-approval code, and the amount that they were claiming that I was eligible for just made sense. The process was extensive, but that's not a reflection on SmartBiz. They were dealing with the SBA, so there was a lot of documentation. Since we’re a legitimate business, it wasn’t something that we couldn’t provide. But, the biggest challenge was me trying to get some information from some of the loans that I had outstanding as it was just difficult to get documentation from some of them. That was required by SmartBiz because they were collecting the data that's required of them to SBA. Other than that, uploading the documents was fine. In the end, it was worth the effort of pooling together all the information that SmartBiz needed.

SmartBiz is a good solution for financing for a small business and they are doing great. I went with them because of the loan term and I did everything so I think it went well. The loan was a working capital and debt refinance and it allows me to keep the business and perform better financially. I went out to put that investment in a long term and I was able to do it. But depending on the case, you would have to prepare a lot of documents for that. If you wanna get a lot of money, you would have to work. The system for uploading the required documents was fine. But the underwriters asked for several things that you have to get done. So it was a long process. It took SmartBiz a month to get it done. But the service was perfect. They were very helpful.

I received some emails and I had sent some responses back to a couple of different vendors to look into some capital financing, and SmartBiz was the one that I chose based on response. Their process was very easy and dealing with their reps has been excellent. The first one I received from them was working capital, but I converted that to them. They actually reached back out to me and said there may be some options available based on my experience with them, that I might be able to go in with something else. And so then, we did a refi of not only my working capital but a couple of other business loans I had. Working with SmartBiz has improved our cash flow. It is a good option as far as from conventional loans.

Working with SmartBiz helped exponentially. Applying for and receiving my finance was moderately easy. I did it primarily online. SmartBiz had great communication and they expedited the process quickly.

While I was Googling for SBA loans, I appreciated the simplicity and streamlining of SmartBiz Loans' process. They seemed to make it easy so I decided to give it a try. The web-based application was complex but it was still smoother than most other places I would’ve gone to so it was smooth enough for me. For what I was expecting, there was clear effort to make it smooth.

SmartBiz Loans is the best company I’ve ever worked with. I'm on an SBA program loan. They told me exactly how much I can qualify for, and from there I just submitted all my paperwork. It took a little bit longer once they go through all the details and have everything ready, but it was a smooth and timely process. As soon as I did the application, it was approved within the same day. The girl who handled my file was Merrina. She really knew her stuff. She told me exactly what I needed to get and what the bank would require, then I had to go ahead and get everything ready. All my numbers have bumped up a lot. I will recommend SmartBiz to any other businesses who have financial needs. I’ll recommend them all day long.

SmartBiz Loans was a referral from another loan vendor. We were looking for a bridge loan to get us to the point where we could expand our software services business and support multiple customers. I was given a contact and the contact at SmartBiz first asked us to fill out information using a software system. Then they went through an evaluation process looking at that information and then helped design the application materials so that they were within the proper specifications with the SBA. After that, they went through an internal approval process and we got the loan. It was actually a really good system and I was very impressed. Even my interactions with the team at SmartBiz were very pleasant. With the help of SmartBiz, we were able to take the business from the level that it was stuck at to where we’re now able to do a bunch of things that we wanted to do. It’s life-transforming and really fantastic.

I was seeking financing to extend our business and SmartBiz is the only company whose people are not crooks, so I went with them. All the other ones were weird and had 40% interest loan. SmartBiz, on the other hand, provides genuine SBA loans. They were very efficient and serious from the beginning, and the whole process was easy. They just required a lot of documentation which I had to provide but getting that documentation to them was relatively easy. The people at SmartBiz were very good, professional, punctual and on-the-ball. The financing was very much needed at the time it came through, so I felt very positive working with SmartBiz.

I received a letter from SmartBiz. I started a business here in Florida and I needed some capital to start moving on so I accepted their invitation and made the call. I wasn’t so confident about it because when you’re new, everybody always kinda shuts you down, but the application was quite easy. They asked me for the paperwork. The application took long, but I understand perfectly because the bank needs to be sure that everything is according to the plan that they make. And after that, it was quite easy. Halfway they asked for additional items, and I gave it to them. Almost a month after that, I was ready.

I needed some working capital and due to the experience with other franchisees, SmartBiz Loans looked like a better deal. The process of applying for and receiving my financing was a little lengthy but good. We were in contact with Horace at SmartBiz Loans daily and he was great. I liked his patience, courtesy, kindness, and professionalism. Working with SmartBiz Loans has affected me positively.

When I was doing a Google search, SmartBiz Loans was one of those that came up and they had a quick app form. Michael from SmartBiz Loans called me and I told him that if this was one of those garbage loans, I'm not interested. Michael said that their loan is backed by SBA and gave me some more information. It sounded legit and I wanted him to tell me more, so we started talking. I realized that it wasn't one of the scam loans, and I was interested. We went and looked at it further, and he locked me through the whole process. He was amazing.

I needed to get some money to keep my growing business well and to get things set up. I did some research online and I found out that there is an easy process that was all online based and it made it much more attractive to me. I got an SBA Backed Loan from SmartBiz Loans. They have a website that I went to. I signed up and provided information. They went through my credit and they got back to me with a pre-approval notice. And then, the process for submission of all documentations started. Uploading the required documents was very easy. Hunter, my point of contact was an amazing guy. He worked with me all the way through closing. I would tell others to go with SmartBiz Loans. They’re a great company.

Being a small company, trying to get a loan through a bank is nearly impossible. So, we decided to go online instead of wasting our time with banks. We landed on SmartBiz Loans right away and we got a 10-year loan from them. The process took some time though because we’re a business, so we had to go through the whole taxes of our business, of the owners, but it wasn’t that bad through SmartBiz. By the time we got assigned somebody, it was easy at that point. Things went smoothly and it was easy to upload and get the paperwork submitted. SmartBiz allowed us to consolidate debts and put us in a better financial spot. I'm very happy with my experience with them and I would recommend them.

I was online looking for a business cash advance. I was talking to a guy, told him what I wanted and he suggested to get up with SmartBiz Loans. When I spoke to them, they seemed confident that they could get a loan for me, so I applied for an SBA Loan. They sent me a form to fill out and the gentleman that I worked with was very courteous. He answered any questions that I had and made it simple. It took me a little while to come up with some documents but uploading them wasn’t hard at all. Working with this company relieved a lot of stress off of me and gave us the tools to hire a couple more people and get more equipment to work with. I’d absolutely recommend SmartBiz.

It was a lot easier to work with SmartBiz. I’m a one-man show, and I can’t spend all day on the phone with people and doing paperwork. Everything else was made pretty easy with the whole online uploading process. I filled out their online application, and then somebody contacted me. Then they went through all the paperwork that I needed to do and upload. Once that was done, they started doing stuff with the underwriters, and then once things were approved, they sent me back some e-documents. I signed them, and then I got my small business loan for my equipment. I've recommended SmartBiz to people.

I needed a loan to buy equipment for the business. I started doing the SmartBiz Loans application, and then somebody called me within two minutes. Applying was a lot of work. There was a lot of information but SmartBiz was really good about telling me exactly what I needed. Uploading the documents was very easy, too. Also, if I called, they answered right away, or if I sent them an email, they would respond. The rep that helped me through everything went above and beyond to make sure everything went well and that it was done as soon as possible. I'd highly recommend SmartBiz.

We were trying to increase our business. The accountant suggested SmartBiz Loans. The application for the financing was really simple and fast. It was done online, mostly through email, and SmartBiz Loans was really fast and helpful. I've used the money I got to buy equipment and hire more people. SmartBiz Loans is really good.

I liked SmartBiz's reviews online, but applying for the loan was a lengthy process. They asked for a lot of paperwork and they had a lot of verifying to do. Nevertheless, t I didn’t have any difficulty in uploading the documents. Kevin, the rep who helped me, kept me informed the whole time on where the process was at. He was also available for any questions that I had. They helped me achieve my goal and if I had to do it, I would use them again. They're the way to go. I tried to go through the traditional bank that I've been banking with since I had my company, but they turned me down. When I went to SmartBiz, I was able to get the loan. SmartBiz is an excellent company.

We had some short-term higher interest loans that I wanted to get out of, so I was hoping to get an SBA loan. I have looked into it before and it seemed like a really long and complicated process. Then as I was googling SBA loans, SmartBiz came up. Their website said they could make everything quicker and easier. They have a website where I could fill out the application and they would run the numbers to see if I qualify or not. We're a very strong company and we've been in business for 20 years, so I knew that we would qualify and I didn't wanna spend months and months doing it.

I looked at the letter I received in the mail and then I went online and came to check them out a little bit, and then I contacted SmartBiz. I had looked into some others, but, at LinkedIn where I am a member, SmartBiz was listed by a few other companies that have used them and had very good results. I then went for an SBA loan. They asked for some general information, sent it to them, and then they told me that I qualified for the loan and what the amount that I would qualify for was. It fitted into what I was looking for.

I went through an initial questionnaire to see if I was worthy for SmartBiz to consider me just based on my credit score. It was low. A rep called me right away to say no. That was that. A month later, I received another call saying, "Hey, your score has improved. We will now allow you to fill out our application." I did. A rep emailed me introducing me to the underwriter. They had me submit all these business and personal financials. My accountant had filed an extension on my personal 2017 taxes, so they just wanted proof of that.

I was looking to refinance existing loans and get some extra working capital for the business. I reached out to Dealstruck and referred me to SmartBiz. Dealstruck said they're really good. So, I reached and spoke to my representative, Mike, and he was fantastic. He walked me through the whole process and it was really good. I looked into other providers and he was the one that was the most comprehensive and gave me the thorough run-through. He was the one I felt most comfortable with.

I got work coming up and a potential increase in our market and our sales. And I wanted some business financing for growth and a small part of it for a piece of equipment. I was referred to SmartBiz and I was told what the process was gonna be, the timeframe, and the terms and it sounded okay so we applied for it and it went through. The process was pretty easy. It was all going online and we have our accounting in order so I got my fingers on pretty easy on that part. We were able to put the paperwork together and download it into the system. Also, SmartBiz had somebody that was helping us and helped made it a little easier via phone and email. Working with SmartBiz helped, getting the loan and just doing what we needed. We're happy with the end results from it. I feel very positive about the future and everything is good as could be expected.

I sent the request to SmartBiz through their email platform and they contacted me right away. They started working on immediately and helped from the get-go. As we were going through the process, I did my due diligence and I decided to follow through it. They had a quick response and they were always on top of the game. I got a small business loan and I provided all the information they required. The uploading of the documents usually went through fairly quickly, although sometimes it wouldn't upload them and then it would start loading again.

SmartBiz seemed to be the most willing to respond. They made a good impression and right in the beginning, were upfront about stuff and what they needed. The guy who did the initial screening was very effective and the loan I got was a small business loan, 10 years, $205,000. All things considered, the process was good. The problems we had, with the side itself, were that they got something wrong and it would be locked-in. They had problems with the address, with the loan amount, with the description of the business, and these things would get locked-in and I couldn't change them. That was annoying.

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.