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BreadRoute Review

SmartBiz

|Nonbank Lender|United States
Up to $10 Million
Loan Amount
No Minimum Time in Business
Time in Business

Our SmartBiz Review

4.0/ 5.0How we rate

On the heels of the Great Recession, a team of technologists, entrepreneurs, and finance professionals came together to find an easier way for small businesses to apply for and secure low-cost funds from banks. United in the belief that the right capital at the right time can enable any small business to thrive, the SmartBiz team committed themselves to connecting every entrepreneur with the funds they need to fortify and grow their businesses. Now we’ve expanded our vision and are building the nation’s leading small business bank.

Who Is SmartBiz Best For?

Based on eligibility requirements and available products.

  • Businesses where credit score is not a primary factor
  • Startups and early-stage businesses with variable revenue
  • New businesses with limited operating history
  • Businesses seeking larger financing amounts

Eligibility Requirements

Time in Business
No Minimum Time in Business

Quick Overview

Loan AmountUp to $10 Million
GeographyUnited States
DoughRating
Products0

SmartBiz Pros & Cons

Pros

  • No minimum credit score requirement
  • No minimum monthly revenue required
  • Startup-friendly no seasoning requirement
  • Lends nationwide
  • High loan amounts available

Frequently Asked Questions

SmartBiz offers financing in the range of Up to $10 Million.

SmartBiz does not apply a strict minimum credit score requirement, making it accessible to a wider range of businesses.

SmartBiz requires a minimum of No Minimum Time in Business in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.

SmartBiz provides financing to businesses across the United States.

Claim SmartBiz Profile

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For immediate assistance, please contact us at howdy@breadroute.co

SmartBiz Review (2026) | Nonbank Lender Lender | BreadRoute