---
title: Small Business Financing Loan Process | SmartBiz Bank
description: Learn about the loan process and how to secure small business financing with SmartBiz Bank. Get expert step-by-step guidance on applying.
---

LOAN PROCESS

# Access to the right financing options for your business

Our streamlined loan process blends innovative technology with personalized service.

[See if you pre-qualify](https://smartbizbank.com/apply)

![lock icon blue](https://smartbizbank.com/hubfs/NB%2022/icons/lock%20icon%20blue.svg)

Only takes 5 minutes and doesn't impact your credit score1

![Small business owner](https://smartbizbank.com/hs-fs/hubfs/Hero%20Images/Small%20business%20owner.png?width=469&name=Small%20business%20owner.png)

![How SBA loans work 750x1000 - man smiling ](https://smartbizbank.com/hs-fs/hubfs/How%20SBA%20loans%20work%20750x1000%20-%20man%20smiling%20.webp?width=600&height=820&name=How%20SBA%20loans%20work%20750x1000%20-%20man%20smiling%20.webp)

## How it works

From pre-qualification through approval, we’re with you every step of the way.

###### Complete one single, streamlined application

Enter your business and financing details to see if you pre-qualify in five minutes, with zero impact to your credit score.1

###### The right financing, customized just for you

Our team and technology work together to recommend the right financing options for your specific needs.

###### Connect with a Specialist

Once you qualify, we will reach out to get you started on the application process and support you from start to submission.

###### Access your capital and put it to work

After application approval, you can use your funds to cover operational costs or take advantage of growth opportunities.

[Get Started](https://smartbizbank.com/apply)

## We connect you with the loan that’s right for you

See if you pre-qualify without impacting your credit score.1

![Finance money bag](https://smartbizbank.com/hs-fs/hubfs/Icons/Finance/Finance%20money%20bag_4@0.52x.png?width=88&height=88&name=Finance%20money%20bag_4@0.52x.png)

#### SBA Loan

Lower interest, lower monthly payments.

![bank](https://smartbizbank.com/hs-fs/hubfs/Icons/Finance/Finance%20money%20bag_5@0.52x.png?width=88&height=88&name=Finance%20money%20bag_5@0.52x.png)

#### Bank Term Loan

Shorter terms, faster delivery of funds.

![loc](https://smartbizbank.com/hs-fs/hubfs/Icons/Finance/Finance%20money%20bag_6@0.52x.png?width=88&height=88&name=Finance%20money%20bag_6@0.52x.png)

#### Line of Credit

Flexible funds and a low monthly payment.

[See if you pre-qualify](https://smartbizbank.com/apply)

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---

1. We conduct a soft credit pull that will not affect your credit score. However, in processing your loan application, SmartBiz Bank and the lenders with whom we work will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may impact your credit score.

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