{"id":11595,"date":"2020-02-17T16:45:54","date_gmt":"2020-02-17T14:45:54","guid":{"rendered":"https:\/\/www.become.co\/blog\/?p=11595"},"modified":"2020-08-24T10:55:56","modified_gmt":"2020-08-24T07:55:56","slug":"smb-loans","status":"publish","type":"post","link":"https:\/\/www.become.co\/blog\/smb-loans\/","title":{"rendered":"What are SMB Loans?: Guide to Loans for Small & Mid-sized Businesses"},"content":{"rendered":"\n\n

SMB loans. What are those?<\/span><\/p>\n

Save-Me-Bucks loans? Stack-More-Bills loans?<\/span><\/p>\n

We\u2019ll give you one more guess\u2026<\/span><\/p>\n

If you\u2019re still uncertain, get all of the answers right here! Find out what SMB loans are and how you can obtain them more easily, below.<\/span><\/p>\n\n

What are SMB loans?<\/span><\/h2>\n

SMB loans are business loans that are specifically designed to meet the financial needs of small and medium-sized businesses. Simple enough, right? Actually, while it\u2019s one of the more <\/span>common business loan terms<\/span><\/a>, SMB loans can get a bit complicated.<\/span><\/p>\n\n

[bctt tweet=”Thanks to the power of #technology, today #SMB loans can be obtained by #smallbusiness owners at rates exceeding 80%.” username=”Become_co”]<\/p>\n\n

\u2018SMB loans\u2019 is an umbrella term that refers to a wide variety of funding solutions ranging from unsecured loans to lines of credit, to invoice factoring and beyond. In the <\/span>Become<\/span><\/a> online business lending marketplace alone, there are 10+ main types of <\/span>business loans<\/span><\/a> offered with varying rates and terms by 50+ lenders – covering virtually any situation your business may find itself in.<\/span><\/p>\n

While the picture looks great for today\u2019s small business owners, for most of the <\/span>history of SMB loans<\/span><\/a> the situation wasn\u2019t always so sweet. In fact, just a few short years ago during the Great Recession, \u201cthe decline in bank lending was far more severe for small businesses than for larger firms\u2026[SMB loans] declined by almost 18 percent\u201d (<\/span>source:<\/span><\/i> SBA<\/span><\/i><\/a>).<\/span><\/p>\n

Thanks to the power of technology, today SMB loans can be obtained by small business owners at rates exceeding <\/span>80%<\/span><\/a> – when they apply through online lenders, that is. Curious what makes online lenders and <\/span>alternative business loans<\/span><\/a> stand apart from more \u2018traditional\u2019 routes to financing like banks and private lenders?<\/span><\/p>\n

Just scroll down and find out.<\/span><\/p>\n\n

Types of SMB loans?<\/span><\/h2>\n

SMB loans come in different shapes and sizes depending on where you go looking for them. Below are the three main ways that small business owners seek out additional funding.<\/span><\/p>\n\n

Traditional bank loans<\/span><\/h3>\n

It\u2019s remarkable that nearly half of all SMB loans applicants still apply through a big or small bank. Why? Because more than <\/span>80%<\/span><\/a> of small business loan applicants (and especially startups) are denied financing by their bank.<\/span><\/p>\n

With that said, traditional bank loans do offer pretty low interest rates. Depending on the specific type of loan, banks can offer rates that range from 4% to 13%. Not bad! But, it\u2019s important to note that interest rates aren\u2019t the only factor that you should consider when applying for SMB loans.<\/span><\/p>\n

For instance, traditional bank SMB loans often require that business owners put down collateral in the form of valuable assets in order to secure the loan. That presents some real risks for small business owners, especially if you secure SMB loans with your home or other vital assets. If your business were to not succeed, you could lose your home as a result of a foreclosure. Definitely something to avoid, to say the least.<\/span><\/p>\n

When they want SMB loans with higher approval odds and more flexible conditions, small business owners frequently turn to online lenders.<\/span><\/p>\n\n

Loans from online lenders<\/span><\/h3>\n

Believe it or not, the internet has more to offer than cat videos and dating apps. More specifically, over recent years financial technology has born an entirely new way for small business owners to reach the funding solutions they need (or want): online lenders.<\/span><\/p>\n

There are plenty of ways that online lenders have improved the lending process.<\/span><\/p>\n\n

\"Competitive<\/p>\n\n

First<\/strong> and foremost, thanks to higher approval rates, SMB loans are more accessible through online lenders than through traditional bank loans.<\/span><\/p>\n

Second<\/strong>, online applications allow small business owners to check if they qualify for funding from the comfort of their home or even on the move!<\/span><\/p>\n

Third<\/strong>, online lenders virtually eliminate the effect of human bias on the lending process. Since the application and approval processes are conducted almost entirely online, there\u2019s no room for conscious or subconscious biases to enter the equation. In fact, the <\/span>requirements for SMB loans<\/span><\/a> through online lenders don\u2019t include mentioning your gender, race, age, etc.<\/span><\/p>\n

The list of strengths that online lenders have over their traditional counterparts goes on. If you\u2019re looking for SMB loans, you have every reason to check with online lenders!<\/span><\/p>\n\n

Private lenders<\/span><\/h3>\n

Do you have a less than impressive credit score? If so, it may surprise you to hear that you may still be able to qualify for certain SMB loans. Private lenders tend to evaluate business loan applications more flexibility than traditional banks and take many factors into consideration.<\/span><\/p>\n

Those other factors can include your business\u2019s monthly revenue, average daily bank balance, existing debt, and so on. If your business has been around long enough and generates a strong and consistent revenue, you may find that qualifying for SMB loans with private lenders isn\u2019t so hard. That said, private lenders do balance their higher approval rates with comparably higher interest rates.<\/span><\/p>\n

\n

The bottom line:<\/b> There are pros and cons to each route to SMB loans. Weigh your options carefully before proceeding in any given direction.<\/span><\/p>\n<\/blockquote>\n\n

SMB lending: An overview<\/span><\/h2>\n

Small and medium-sized businesses have, for too long, been underserved by traditional lending institutions like banks. Alternative SMB lenders have filled the gaps left by banks by providing SMBs with viable funding solutions. This has obviously put pressure on conventional lenders and has placed them in a spot where they need to actively compete with these up-and-coming alternative lending solutions.<\/span><\/p>\n

A recent survey found that <\/span>81%<\/span><\/a> of banking executives believe that the best solution to the \u2018alt lender\u2019 question is to partner up with them. Compare that to a mere 8% who said they should build their own new operating layer, 6% who believe outsourcing is the right solution, and just 5% who said that creating a new bank was the best answer. Clearly, alternative lenders have become a real threat to the more well-established lending institutions that offer SMB loans.<\/span><\/p>\n

What are the <\/b>top reasons<\/b><\/a> that push small and medium-sized business owners to apply for SMB loans with online lenders?<\/b><\/p>\n

    \n
  1. Faster speed of decision or funding<\/span><\/li>\n
  2. Higher chance of being funded<\/span><\/li>\n
  3. No need to provide collateral<\/span><\/li>\n<\/ol>\n\n
    \n

    In short:<\/b> If you want faster access to SMB loans, better chances of getting approved, and more flexible requirements – your best bet is to apply for SMB loans through online lenders.<\/span><\/p>\n<\/blockquote>\n\n

    \"\"<\/a><\/p>\n\n

    Wrapping it up<\/span><\/h2>\n

    SMB loans are there to help you keep your small or medium-sized business in ship-shape. If you weren\u2019t sure where to search for business funding before you read this article, then your problem should be resolved!<\/span><\/p>\n

    Do you still have questions? Be sure to browse through the tons of free <\/span>small business wisdom<\/span><\/a> resources available courtesy of Become.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

    SMB loans are there to help keep small or medium-sized businesses strong. What are they? How can you get them? Find out here.<\/p>\n","protected":false},"author":1,"featured_media":11601,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[13,79,1,12],"tags":[118,234],"class_list":["post-11595","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aus-resources","category-business-guides","category-uncategorized","category-us-resources","tag-alternativeloan","tag-fintech"],"acf":[],"yoast_head":"\nWhat are SMB Loans?: Guide to Loans for Small & Mid-sized Businesses - Business Funding Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.become.co\/blog\/smb-loans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What are SMB Loans?: Guide to Loans for Small & Mid-sized Businesses - Business Funding Blog\" \/>\n<meta property=\"og:description\" content=\"SMB loans are there to help keep small or medium-sized businesses strong. 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