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.