Business loan advisor for Florida companiesThe right capital,
packaged right.
Business loan processing and funding advisory for SBA loans, commercial real estate, lines of credit, equipment financing and working capital, with financial packages built by the same team that keeps your books, so lenders see a stronger file and you see a faster answer.
What we do
5+
Financing categories
9,245+
Clients served by SMAART Company
75%
SBA-guaranteed
20+
Years of expertise
Credentialed loan advisory, backed by SBA and lender relationships
The SMAART Loans team
Financing that fits your business, the SMAART way
For growing businesses. Access SBA loans, lines of credit, equipment financing and working capital to hire, expand and cover the gaps that come with growth.
For real estate owners & developers. Acquire, refinance or build commercial property with financing structured around how you'll actually use the space.
Learn more about us- 01
Talk it through
A free call about what you want to finance, and when.
- 02
Fixed fee, up front
You see our fee before we build the loan file.
- 03
We shop it
We package the file and take it to more than one lender.
Our vision
Numbers first. Opinions second.
Our ability to see both the big picture and the granular details, and to read a business from every angle, lets us develop insights with game-changing impact. A future full of potential starts here.
In your corner
- Licensed Loan & Credit Brokers
- SBA Preferred Lender Network
- CPA
- IRS Enrolled Agent
- Certified Financial Planner
- Investment Advisor Reps
- Commercial Underwriting Support
- Remote Notary Public
Why choose SMAART?
One company, every advantage
5.0★
Google rating
555+
reviews of SMAART Company
Peace of Mind
Thousands of businesses trust SMAART to package financing that fits their business, not a generic checklist, and to stand behind the file until it closes.
One Team, Every Program
SBA loans, lines of credit, working capital, equipment financing and commercial real estate, evaluated together so you get the right structure, not just the first offer.
Competitive Advantage
Loan advisors working alongside CPAs, financial planners and enrolled agents, so the capital structure we recommend is grounded in your actual financials.
Our leadership
The professionals behind SMAART
Loan advisors, CPAs & Financial Planners dedicated to getting your financing approved.
Ray Dominguez
Founder & CEO
Gustavo Gonzalez
Chief Operations Officer
Daniel Corcega
Chief Marketing Officer
Lisa Terrell
Director of Taxation
Anthony Gonzalez
Operations Manager
Albert Amarente
Chief Human Resources Officer
Jouvens Corantin
Director of Business Accounting
Roxana Umana
Director of Association Accounting
Lorri Hill
Director of Property Management
Our services
The financing clarity you deserve
From an SBA application to a commercial construction draw schedule, one team handles all of it.
SBA & Conventional LendingYou want a building, a competitor or equipment, with little cash down
01We build the loan file for SBA or equipment financing and take it to more than one lender, for a fixed fee.
What we do about it
- SBA 7(a) & 504 LoansGovernment-backed financing for acquisitions, real estate & expansion
- Equipment FinancingTerm loans and leases for machinery, vehicles & critical assets
One team behind your next loan.
SBA, equipment, real estate and working capital financing from SMAART Loans.
Working hard and SMAART. For you.
Stop chasing lenders.
Start with a file lenders take seriously.
Chasing a loan application shouldn't be a second job. SMAART Loans packages your financials and works the lenders, so you don't have to. Here's what we stand for.
SSolutions
Integrated solutions
One team for loans, accounting, tax and advisory, no juggling vendors or chasing answers across firms while a lender is waiting on documents.
Learn moreTrending News
View all articles →
SBA 7(a) & 504 LoansSBA 7(a) vs. 504 Loans: Which One Actually Fits Your Deal
The SBA's combined 7(a) and 504 loan limit just doubled to $10 million. Here is exactly what each program is built for, what it costs to get in the door, and how to tell which one fits your deal.
Loan Package PreparationWhat Lenders Actually Check Before They Say Yes
Large banks fully approved just 44% of small business financing applicants last year. Small banks hit 57%. The gap isn't luck, it's the file. Here is exactly what a lender reads, in order.
Commercial Real Estate LoansDSCR Explained: The One Number That Sets Your Loan Amount
The Debt Service Coverage Ratio is the single number most lenders use to decide how much they'll actually lend, not just whether they'll say yes. Here is how it's calculated, what's typical, and how to improve it before you apply.
FAQ
Questions we hear most often
Can't find what you're looking for? Our team is ready to help with any question about financing your business.
What services does SMAART Loans offer?
SBA 7(a) and 504 loan packaging, business lines of credit, working capital loans, equipment financing, invoice factoring, commercial real estate loans, commercial construction loans and loan package preparation. One team handles the whole financing process, not just one product.
Is SMAART Loans a lender?
No. SMAART Loans is a division of SMAART Company that prepares, packages and places financing applications with banks, SBA preferred lenders and alternative funders. We do not issue loans, and we never guarantee approval, rate or terms.
How much do your services cost?
We quote a fixed engagement fee up front based on the complexity of the loan package, no hourly meter and no surprise invoice at closing. The initial consultation is free, and you'll have a transparent quote before any work begins.
Why would clean bookkeeping matter to my loan application?
Lenders price risk. Financials that reconcile cleanly, with no unexplained gaps between tax returns and internal statements, read as lower risk. Because SMAART also provides accounting, the books behind your loan package can be built clean from the start.
Do you work with businesses outside of Florida?
Yes. We're headquartered in Fort Lauderdale, FL, but work with businesses in all 50 states and abroad, fully remote through our encrypted client portal, or in person by appointment.
How do I get started?
Book a free consultation. We'll review your financing need, quote a fixed fee, and show you exactly which loan programs fit your business, no pressure and no obligation.
Ready to get your financing packaged right?
Book a free consultation. We'll review your financing need, quote a fixed fee, and show you exactly which loan programs fit your business, no pressure.