About

A simpler starting point for U.S. small business funding.

SmarterLends is a funding discovery platform for U.S. small business owners. We help you compare working capital, equipment financing, SBA loans, and growth funding from one starting point, then route you to the right partner to complete your application.

Who we are

SmarterLends is operated by Smarter Loans, a North American loan discovery platform trusted by over one million users. Smarter Loans operates smarter.loans in Canada and loaniq.ca. SmarterLends is the U.S. small business funding extension of that team.

What we do

We are not a lender, broker, or loan servicer. We help business owners understand their funding options, run the numbers with free tools, and connect with our funding partner to apply. Approvals, rates, terms, and eligibility decisions are made by the lender.

Who we serve

U.S. small businesses with at least 6 months of operating history and $10,000 or more in monthly revenue. We work across all 50 states and most major industries, including restaurants, retail, contractors, trucking, healthcare, manufacturing, and home services.

Operated by

Smarter Loans

Users served

1M+ across platforms

Coverage

All 50 U.S. states

Editorial team

Real lending experts. Real bylines.

Every guide, news brief, and research report on SmarterLends is written and reviewed by people with hands-on small business lending experience — not anonymous teams. Our coverage is overseen by Smarter Loans, operators of one of North America's largest loan discovery platforms.

SmarterLends Editorial Team

Editorial Team

The SmarterLends Editorial Team is an in-house group of small business funding writers and analysts. We translate primary-source data from the SBA, Federal Reserve, U.S. Treasury, BLS, and FDIC into plain-English guidance for U.S. small business owners evaluating their funding options.

Credentials

• Sources verified against .gov primary data
• Reviewed by SmarterLends founder

Small business lendingSBA programsWorking capitalEquipment financingMerchant cash advancesLines of credit

Vlad Sherbatov

Founder & Editorial Reviewer

10+ years U.S. small business lending experience

Vlad Sherbatov is the founder of SmarterLends and reviews every guide on the site for accuracy, conservatism, and alignment with current SBA and Federal Reserve guidance. He has spent over a decade working with U.S. small business owners on funding strategy.

Credentials

• Founder, SmarterLends
• 10+ years in U.S. small business finance

Small business funding strategySBA loan structuringWorking capital planningLender comparison

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Our editorial standards

Every SmarterLends article is fact-checked against primary sources (SBA.gov, Federal Reserve, FDIC, U.S. Census Bureau, BLS), updated when material lending data changes, and reviewed by a second team member before publication. Funding products and rates referenced reflect publicly available information at the time of publication and are subject to change. Specific approvals, rates, and terms are determined by lenders based on individual applications.

Primary sources we rely on

U.S. Small Business Administration (sba.gov)
Federal Reserve Small Business Credit Survey
U.S. Department of the Treasury
U.S. Census Bureau Annual Business Survey
FDIC Small Business Lending Survey
Bureau of Labor Statistics