Elevate Your Business With Smart Capital
Access up to $15 million in funding with competitive rates, monthly payment and flexible terms designed to fuel your business growth and expansion.
Premium Financing Solutions
Tailored loan programs designed to meet your business needs at every stage of growth
SBA 7(a) Loan Program
Up to $5 million | Prime + 3% variable rate
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Minimum Credit Score: 650 Experian
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Business Age: 18+ months in operation
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Revenue Requirement: $30k+ annually
Recent Fundings (10 Year Term)
| Loan Amount | Monthly Payment |
|---|---|
| $500,000 | $6,746.75 |
| $350,000 | $4,722.72 |
1-25 Year Term Loans
$50K – $15 Million | Rates from Prime + 9.99%
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Minimum Credit Score: 600 Experian credit score
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Business Age: 6+ months in operation
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Cash Flow Requirement: $3.5k/month (home-based) or $6k/month (commercial)
Recent Fundings (5 Year Term)
| Loan Amount | Monthly Payment |
|---|---|
| $3.9 Mil | $44,279.49 |
| $1.8 Mil | $20,436.69 |
SBA Working Capital Loan
$30,000 - $350,000 | Rates from 9.50%-13.25%
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No Minimum Credit Score - Startups welcome
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Startup Friendly: Only 5-10% borrower injection required
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Bankruptcy: Discharged 3+ years ago
Recent Fundings (10 Year Term)
| Loan Amount | Monthly Payment |
|---|---|
| $350,000 | $4,673.87 |
| $275,000 | $3,672.32 |
SBA 504 Loan Program
Up to $5 million | Prime + 3% variable rate
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Minimum Credit Score: 650 Experian
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Business Age: 24+ months in operation
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Ownership Requirement: 51% or More
Recent Fundings (25 Year Term)
| Loan Amount | Monthly Payment |
|---|---|
| $3,200,000 | $27,875.44 |
| $1,600,000 | $15,682 |
Business Line Of Credit
Up to $5 Million | Average 6% - 14%
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Minimum Credit Score: 575 Experian credit score
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Business Age: 6+ months in operation
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Revenue Requirement: $200K+ Annually
Recent Fundings (Indefinite term period)
| Loan Amount | Interest rate |
|---|---|
| $250,000 | 11% |
| $155,000 | 11% |
12 Years Business Loan
Up to $500,000 | Rates from 14.9%-24.9%
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Minimum Credit Score - 650 Experian
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Advantage: Small monthly payments & no early pre-payment penalties
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Usages: MCA and Other Debt Refinancing
Recent Fundings (10 Years Term )
| Loan Amount | Monthly Payment |
|---|---|
| $425,000 | $9,330.26 |
| $275,000 | $5,048.76 |
Ready To Take Your Business To The Next Level?
Our streamlined application process makes it easy to get the funding you need. Get pre-approved today without impacting your credit score.
Get Pre-Approved NowFrequently Asked Questions
Find answers to common questions about our business loan programs
Our programs have varying credit requirements:
- SBA 7(a) Loans: Minimum 650 Experian score
- Term Loans: Minimum 575 Equifax score or no credit
- Working Capital Loans: No minimum credit score
Pre-approval takes just minutes after completing our questionnaire. Full approval timelines vary:
- SBA Loans: 2-4 weeks typically
- Term Loans: 1-2 weeks
- Working Capital Loans: As fast as 3-5 business days
Yes, some options are available:
- Our Working Capital program has no minimum credit score requirement
- Bankruptcies must be discharged for at least 3 years
- No bankruptcies in past 12 months for term loans
The interest rate for a small business loan varies depending on several factors, including the type of loan, the lender, the borrower’s creditworthiness, and the current economic environment. Here’s a breakdown of average interest rates for different types of small business loans in 2023:
- Traditional Bank Loans: 5%–10% (fixed or variable).
- SBA Loans: 6%–13% (depending on the SBA program).
- Online Business Loans: 7%–99% (varies widely based on risk).
- Business Lines of Credit: 7%–25% (variable)./li>
- Microloans: 8%–13%./li>
- Invoice Financing: 10%–30% (factor rate).
- Merchant Cash Advances: 20%–250% (factor rate).