Loan Services
Financing, packaging & lender placement
Business loan processing and funding advisory designed to build a lender-ready file, match you to the right funder, and put the right capital behind your business.
Service Overview
Business financing, packaged right
Getting approved for the right capital takes more than filling out a lender's application: it takes a file built the way underwriters actually read it.
Our advisors go far beyond form-filling. We review your full financial picture to match you with the financing structure that actually fits, whether you are a growing business pursuing an SBA loan or an established company financing new real estate, and build a lender-ready package that gives your file the strongest possible chance.
SBA-Certified Expertise
Deep experience with the SBA 7(a) and 504 process, from packaging through lender compliance post-closing.
Financially-Grounded Advisory
We already know your financials, so the capital structure we recommend actually fits your business, not a generic checklist.
Lender Relationships
Direct access to SBA preferred lenders, banks, credit unions and alternative funders, so your file goes to the right desk first.
Clean Books, Better Rates
Clients who use SMAART accounting get cleaner financial packages, which translates into faster approvals and better terms.
Ready to get started?
Talk to us about how our loan packaging & funding advisory can help you access the capital your business needs.
Specialized Solutions
Explore
What we offer
Our full range of loan packaging & funding advisory services, each built to put your business in front of the lenders most likely to say yes.
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Services available
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Included features
Loan Packaging & Readiness
Included in all packages
Quick Links
Financing tools
Jump straight to the SBA and lender resources our clients reach for most: official government and industry tools, all in one place.
Our Process
How we work with you
Define the Need
We assess why you need capital, how much, over what timeline and what repayment structure fits your cash flow, before approaching any lender.
Package Your Story
We organize your financials, tax returns, projections and business narrative into a lender-ready package that highlights your strengths.
Identify Lenders
We match you to the banks, credit unions and SBA lenders most likely to approve your loan type, industry and loan size.
Negotiate
We review rates, fees and covenants and negotiate on your behalf before you sign anything.
Close & Manage
We guide you through underwriting, appraisals and closing conditions, then help you manage covenants and reporting after funding.
FAQ
Questions & answers
The most common questions about our loan packaging & funding advisory services.
Is SMAART Loans a lender or a bank?
No. SMAART Loans is the loan processing and funding advisory division of SMAART Company. We prepare, package and place financing applications with banks, SBA preferred lenders and alternative funders, we do not issue loans or set rates ourselves.
What types of business loans does SMAART help with?
SBA 7(a) and 504 loans, business lines of credit, working capital loans, equipment financing, invoice factoring, commercial real estate loans and commercial construction loans, matched to the program that fits your needs and qualifications.
What do lenders actually look for?
Credit score, time in business, revenue, profitability, debt service coverage and available collateral. We help you present the strongest possible financial package, and because SMAART also provides accounting, that package is built from books that already reconcile.
How does SMAART help with the application?
We gather your financials, prepare loan packages, draft the business narrative, and communicate with lenders throughout underwriting, so the process is as fast and clear as possible on your end.
Can SMAART help if my business has had financial challenges?
Yes. We work with businesses at different financial stages. Where a traditional lender may decline, we can explore alternative funding, improve your financial presentation, or help you address issues before reapplying.
How long does funding typically take?
Lines of credit and working capital loans can close in 1 to 4 weeks. Conventional commercial loans typically run 30 to 60 days. SBA 7(a) and 504 loans average 45 to 90 days, though pristine documentation and preferred-lender relationships regularly beat that window.
Get your capital plan. Fast.
Schedule a confidential consultation with our loan advisors. See how a lender-ready package can put the right capital behind your business.