Smart Tax Loans takes your business through the application process to help you get the best and lowest cost financing that meets your needs. Our experienced professionals use our unique technology platform to help match your loan application with the trusted bank most likely to fund your business. The select banks in our business lending network have funded over $1 billion in small business loans.
“Seeing our passion shared freely improves the ability for a small business owners to scale their growth with business loans is more than a job for us; it’s our life commitment. In to many instances small business owner’s don’t realize that their financial affairs aren’t properly addressed until they experience banks minimizing their loan approval amounts or flat out being denied. No one can do it alone, small business owner’s just as mega corporations need a team of experts to leverage the playing field.” — Tabatha, Smart Tax Advisor
The right funding can help change the future of your business. Whether you are seeking an SBA loan, Bank Term loan, or a more custom financing option, our team of friendly professionals helps you find the right option for your individual situation. Best of all? Our single, streamlined application process can help you apply for the loan option for your needs.
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 loan. SBA loans typically have lower interest rates and longer repayment terms. If you’re not eligible for an SBA loan or need funds more quickly, a bank term loan can be the right solution. These loans are often processed faster and have shorter repayment terms.
SBA 7(a) Working Capital and Debt Consolidation loans from banks in the Smart Tax 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 $350,00 loan amounts.
No. In assisting you with your loan application, we initially conduct a soft credit pull that will not impact your credit score. However, after we refer you to the lender, the lender will request your full credit report from one or more consumer reporting agencies. This is considered a hard credit pull and can affect your score. This only happens after the lender receives your application and conducts their application review process.
Once your application is approved by the lender, funds can be deposited into your bank account in as fast as 7 days.
Smart Tax helps you get to a “yes” by matching you to the banks in our network most likely to approve your loan application and helping you prepare and present your unique business credit story to those lenders. There is no cost 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. For questions, please call us at 800-944-2070.