Small Business Loans

Explore your options for small business loans and get pre-qualified today. Learn how to fund growth, cover expenses, or expand operations—without the confusion.

Find the Right Loan for Your Business

Compare Small Business Loan Options and Get Pre-qualified

Get the Funding You Need to Keep Growing

Running a business comes with expenses—and sometimes, opportunity knocks before the cash flow catches up. Whether you’re looking to expand, hire, invest in equipment, or smooth out seasonal dips, small business loans can help.

At Smarter Business Funding, we help business owners like you compare funding options, understand what’s available, and get pre-qualified without the hassle or hard credit pull.

We take the guesswork out of the loan process—so you can focus on growth.

For a deeper understanding of loan types, visit the U.S. Chamber of Commerce Guide to Small Business Loans

What Lenders Usually Look For

Getting a business loan doesn’t have to be complicated—but it helps to be prepared. Most lenders will evaluate:

  • Your monthly revenue

  • Time in business (usually 6+ months or more)

  • Personal and/or business credit score

  • Use of funds (equipment, working capital, expansion, etc.)

  • Bank statements and basic financial records

Want to get organized? Download our Funding Readiness Checklist

Business Loan Options We Can Help You Explore

Whether you’re just over the startup hump or running a multi-location operation, we’ll help match you with lenders offering:

  • Traditional term loans (short- and long-term options)

  • SBA loans for low-interest, government-backed financing

  • Business lines of credit for flexible cash access

  • Invoice or receivables financing

  • Working capital loans for day-to-day expenses

  • Merchant cash advances (when credit or time in business is limited)

Compare SBA loan programs and terms at SBA.gov

Who This Is For

This funding page is ideal for:

  • Established businesses looking to scale

  • Retailers, service providers, and trades

  • Companies with steady revenue but temporary cash flow gaps

  • Owners ready to hire, advertise, expand, or invest in equipment

  • Business owners with fair-to-good credit and 6+ months in operation

Let’s Find Your Best Loan Option

You’re not applying for a loan yet—just taking the first smart step.
Answer a few quick questions and we’ll match you with lenders and funding experts based on your business stage, revenue, and goals.

Get Pre-qualified Today!