Your partner in growth

Approval timing varies depending on how quickly the application is completed and whether additional information is needed. Once your application is complete, our Partner Success team will review it and keep you updated throughout the process.

There is no minimum referral volume required to get started. Partners can refer opportunities as they arise.

SmartBiz supports both SBA 7(a) and bank term loan opportunities. SBA 7(a) loans are available from $50,000–$350,000, bank term loans from $50,000–$300,000, and Lines of Credit $50,000–$100,000. Available products and amounts depend on the borrower’s qualifications.

SmartBiz works with a wide range of established, for-profit small businesses and can support borrowers across the U.S., including California and Texas. Eligibility varies by product and may depend on factors such as time in business, revenue, credit history, cash flow, ownership, and intended use of funds.

Partners can choose how involved they want to be in the borrower relationship. SmartBiz can communicate directly with borrowers or coordinate closely with your team based on your communication preferences. Partners can also track application status and next steps through Partner Assist and receive relevant email updates.

Your Partner Success Manager is your main point of contact for the overall partnership. Individual deals may also be assigned to SmartBiz Account Executives and Relationship Managers who help move the application through the loan process.

Not every referral will qualify for financing. SmartBiz evaluates available loan options based on the borrower’s information and eligibility. If an opportunity does not qualify, your SmartBiz team can help clarify the outcome and whether another available product may be a fit.

The standard referral commission is 2% of the funded loan amount, typically paid 10–15 days after funding, subject to the terms of the Bank’s Partner Agreement. SBA loans may also qualify for additional tier-based incentives based on funded volume. These additional volume incentives currently apply to SBA loans rather than bank term loans.