The team was friendly, very helpful and patient. Each person working together to do what is best for us and meeting our needs.
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See what reviewers are saying
Our experience with this SBA Express Loan lender was outstanding. After applying to multiple lenders, we found that they processed our loan faster than the others. They didn’t request unnecessary docu... See more
Our healthcare business had been growing very quickly over the past 4 years. We had been using short term financing to fill our financial needs during this period, but it was becoming too expensive.... See more
The loan service was excellent from start to finish. The entire process was fast, clear, and very professional. Dessire Escalante was magnificent: she was always attentive, answered all my questions p... See more
Company details
- #51 of 109 best companies in Financial Institution
About SmartBiz Bank, N.A.
Written by the company
A bank built for small business.
Right-sized loans. Right now.
Apply in minutes.
We support you at every step
Our dedicated teams are here to help you through the loan application process.
We’re your SBA lending partner
Whether you're expanding, refinancing debt, or boosting cash flow, we’re making the process simple.
We keep your information safe
Our bank-level, 256-bit encryption protects your privacy and keeps your data secure.
Apply NowContact info
Chicago, IL | San Francisco, CA | Austin, TX, United States
- (866) 283-8726
- support@smartbizbank.com
- smartbizbank.com
4.6
Excellent
16K reviews
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Team Work Made the Dream Work
The team was friendly, very helpful and patient. Each person working together to do what is best for us and meeting our needs.
June 24, 2026
Very trust this bank
June 23, 2026
SBA Loan process took entirely too long
Loan process took entirely too long. Underwriting was too slow responding and very rarely received a response on Friday or Monday I assumed these were their off days. Seemed unknowledgeable and biase towards us with their decisions. Very nit- picky and underwriting had poor communication and did things without informing us. You really need to review you underwriting department and do some retraining. The SBA manager (Desiree Escalante) was awesome to work with and very knowledgeable.
June 5, 2026
They work very good
May 20, 2026
Very thorough with SBA process
Very thorough with SBA process, they actually helped educate me with the inner workings of my business.
Thank You Judy!
May 19, 2026
This was the second time I’ve used them…
This was the second time I’ve used them and would use them again. Friendly people and an easy process from start to finish!
May 8, 2026
Excellent customer services
The loan service was excellent from start to finish. The entire process was fast, clear, and very professional. Dessire Escalante was magnificent: she was always attentive, answered all my questions patiently, and guided me through every step with kindness and expertise. I highly recommend her services to anyone who needs assistance with a loan.
April 29, 2026
Steven was so great to work with
Steven was so great to work with. His attentiveness and ability to lay everything out so clearly was very much appreciated!
March 27, 2026
The account executive Emilia make the…
The account executive Emilia make the process smooth from start to finish.
April 7, 2026
Quick Funding and Highly Responsive Team
I had an excellent experience with SmartBiz. From the moment I submitted my application to the day I received funding, the entire process was smooth and efficient.
My contact person was very responsive and kept me informed throughout the entire process.
I was especially impressed that I received my funds in less than a month!
I highly recommend SmartBiz to anyone looking for a reliable and efficient lending partner.
March 30, 2026
The SmartBiz team was amazing to work…
The SmartBiz team was amazing to work with, and the process was very quick and seamless. Thank you for all the assistance.
March 31, 2026
Great communication and speed
Even though the 2025 government shut down in the middle of the process with the SBA, these folks worked tireless to get my loan as packaged as it could be so it could be submitted back to the SBA as soon as the government reopened. They kept me informed every step of the way. Closing and funding were done in hardly no time once the SBA blessed it.
November 21, 2025
Unprompted review
May use AI-assist with repliesRead more
At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.
Amount of time
Amount of time, intrusion into non-relevant information. Then broker cost.
September 30, 2025
Reply from SmartBiz Bank, N.A.
Hi Douglas,
Thank you for sharing your feedback. We appreciate your patience throughout the loan process.
We understand that the timeline felt lengthy, and apologize for any frustration this caused. To provide some context, your loan involved a number of unique factors that required additional care and verification, which likely contributed to the extended timeline.
Additionally, we understand concerns about cost, especially for a growing business. Our team clearly outlined all fees up front and ensured that the broker did not charge any additional or hidden fees beyond those you discussed and agreed upon.
Please know that our intent is never to ask for non-relevant information. The additional requests were made to help verify your business information. Our goal is always to ensure compliance, accuracy, and a smooth experience that protects your business and helps secure the right financing.
We appreciate the trust you placed in SmartBiz, and we sincerely wish you continued success.
Warm Regards,
The SmartBiz Team
Professional and Knowledgeable Team
Professional and Knowledgeable Team. Clear guidance through the process and effective timeline.
Thank you Smartbiz for the experience and exceptional customer service
September 28, 2025
Unprompted review
The process was very simple and they…
The process was very simple and they communicated very well with us.
September 25, 2025
Unprompted review
Constant Communication
Smartbiz was constantly keeping me updated about where we were in the process and the documents that they needed. I didn’t have to follow up with them because they were following up with me. That is the way businesses should run.
September 22, 2025
Unprompted review
Stay Away From SmartBiz Loans
My experience with SmartBiz Loans has been frustrating, unprofessional, and ultimately a waste of time. Instead of providing clear guidance, their process is filled with nonsense questions that make no sense and stall applications unnecessarily...
It is actually easier to get a loan directly through the SBA than to deal with SmartBiz. They advertise as a “streamlined SBA loan platform,” but in reality, they complicate the process, drag things out, and give applicants the runaround...
I addressed this specifically to the team: businesses deserve transparency and efficiency — not a maze of delays and confusing requests. There are many better options out there that respect business owners’ time and needs...
For any small business owner considering SmartBiz: look elsewhere. Save yourself the wasted effort and frustration...
September 19, 2025
Unprompted review
Reply from SmartBiz Bank, N.A.
Hi Marc,
We’re sorry to hear that your experience didn’t meet expectations. At SmartBiz, our goal is always to help small business owners access affordable capital quickly, and we regret that this process felt frustrating.
To provide some context, once an application is submitted to one of our partner banks, their underwriting team may request additional documentation to verify business revenues or meet regulatory requirements. In your case, the partner bank required additional supporting documents before moving forward. Unfortunately, without those documents, the partner bank could not complete the approval process.
We understand how disappointing this was. Please know that our intent is never to add unnecessary steps. The additional requests came directly from the partner bank’s underwriting team, and any loan decisions are made at their discretion.
Your feedback is very important to us, and we will use it to continue improving transparency and communication in situations like this. We are glad to hear your business was eventually able to secure funding, and we sincerely wish you continued success.
Warm regards,
The SmartBiz Team
SBA 7a Loan
Very informative staff, and quick to answer any questions.
September 12, 2025
Unprompted review
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