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    SmarterLends

    Disclosures

    Last updated: January 1, 2026

    Not a lender

    SmarterLends.com is not a lender, broker, or loan servicer. We are a funding discovery platform that helps small business owners understand their options and connect with our lending partners. Loan products, approvals, rates, terms, fees, and eligibility decisions are determined by the lender, not by SmarterLends.

    Advertising and compensation

    SmarterLends may receive compensation when referred businesses complete a funded application with our lending partners. This compensation does not influence our editorial content, calculator outputs, recommendations, or which products are surfaced to a given user. Editorial decisions are made independently of any commercial arrangement.

    Rates and terms

    Funding amounts, rates, fees, and repayment terms displayed on SmarterLends are illustrative. They reflect ranges typical for the product category and are based on publicly available information at the time of publication. Actual rates and terms depend on your application, business profile, credit history, time in business, revenue, and lender underwriting decisions.

    Calculator estimates

    Our calculators produce illustrative estimates only. They do not constitute an offer of credit. Real costs may differ based on payment frequency, origination fees, prepayment terms, and other factors. Verify all numbers with your lender before signing any loan documents.

    No legal, tax, or financial advice

    Information published on SmarterLends is for educational purposes. It is not a substitute for legal, tax, accounting, or financial advice from a qualified professional. Consult an appropriate advisor for guidance specific to your business.

    Eligibility

    SmarterLends typically refers businesses with at least 6 months of operating history and $10,000 or more in monthly revenue. Available in all 50 U.S. states. Specific eligibility, including credit and industry requirements, is determined by the lender.

    Operated by Smarter Loans

    SmarterLends is operated by Smarter Loans, a North American loan discovery platform. For more about our parent company, see our About and Team pages.