Financing insights
Financing guidance that pays for itself
Plain-English breakdowns of SBA programs, credit lines, equipment financing and loan readiness, written by the team that packages the applications. No jargon, no fluff.
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.
Have a financing question these articles didn't answer?
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.