Flex Loans

SBA & TERM Loan Comparisons Above

The Right Bank Loan. The Right Rate. One Fast and Simple Application.

We Can Satisfy Even The Toughest SBA Clients!

Our SBA Select Partners in our business lending Network can help you fully satisfy SBA requirements for all credit profiles and industries... in a fraction of the time taken by any other SBA provider.

Whether you are seeking an SBA loan, Bank Term loan, or a more customized financing option, our partner network of friendly professionals helps you find the right option for your individual situation. Our single, streamlined application process can help you apply for the best loan option for your needs.

What’s the difference between an SBA loan and a bank term loan?

SBA loans typically have lower interest rates and longer repayment terms than bank term loans.

An SBA loan, known as the "gold standard" in small business lending, is partially guaranteed by the government. This helps reduce the risk to banks, so they are more likely to make a small business loans.

And as a result of the CARES Act, the SBA will pay 6 months of principal, interest, and any associated fees on any new, eligible SBA 7(a) loan disbursed prior to September 27, 2020. If you’re not eligible for an SBA loan, or need funds more quickly, a bank term loan can be the perfect solution. These loans are often processed faster, and have shorter repayment terms.

How much can I borrow?

SBA 7(a) Working Capital and Debt Consolidation loans from banks in our partner lending network are available from $30,000 to $350,000. SBA 7(a) Commercial Real Estate Loans are available from $500,000 to $5 million. Bank term loans have $30,000 to $500,000 loan amounts.

How quickly will I receive my funds?

Once your application is approved, funds can be deposited into your bank account in as fast as 7 days.

Are there fees or other costs involved?

There is No Costs to you for this service when applying for an SBA loan. However, the banks in our network typically charge an application fee up to a maximum of $3,000. Bank closing fees and additional third-party report charges may also apply. Bank Term loans have a 3% packaging and 3% referral fee. Fees are an estimate and the actual amounts may vary. Fees are deducted from loan proceeds, so there are typically no out-of-pocket costs.


Learn More

The select partners in our business lending network have funded nearly $4.0 billion in SBA 7(a), PPP (Paycheck Protection Program) and bank term loans, helping them become the nation’s #1 online facilitator of SBA and bank term loans under $350,000.

Our partners have helped over 20,000 small businesses get funded to support 300,000 small business jobs.

Over 50% of the loans funded by our partners are for women-owned, minority, or veteran businesses.

Banks utilize our SmartBiz partner platform to process more than 10% of the entire nation’s volume, of traditional SBA 7(a) loans under $350,000.

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