SmartBiz Bank, N.A. Reviews 

I worked with SmartBiz Loans to Apply for an SBA loan. It was a great experience and it also gave me an opportunity to think about my business from a lender's perspective, which was very helpful in evaluating our business. The person assigned to my application process, David L., was amazing to work with; he was very responsive and made the process easy to understand. Each request was explained so that we were always on the same page, which made it easy to gather all documentation, because you knew exactly why it was required. Just a great experience. I would recommend SmartBiz to anyone seeking SBA or other funding for their business.

Nobody can explain you, when you call nobody answer the phone

Chris Schreiber was professional, helpful, thorough, and friendly. My SBA got approved, so I’m ver excited. Again thanks to Chris Schreiber and SmartBiz for making the process as seamless as possible.

Fantastic experience! The entire team that I worked with, specifically Pamela did a FIRST CLASS job. Communication was on point, I was in the loop every step of the way. Glad I chose SmartBiz Loans for our SBA needs.

Excellent job every step of the way. Smart Biz sets the standard for how loans should be processed.

we were prequalified for $90,000 sept 2021, had to wait til dec 2021 that we didnt meet minimum requirements for $30,000 loan. we really needed help to maintain and grow our business and smartbiz let us down. shame on you smartbiz. we were shut down during the height of pandemic we came back with lost of about 30% of a business and wanted to provide a safer service, where do we go from here? No reply from Smartbiz!

Although the process requires a lot of documentation, our relationship manager was very helpful in helping us gathering the necessary documents -and patient by the way- and answering all of our questions in a timely manner. We are very satisfied with the service and impressed with the speed of the entire process.

Thanks to SmartBiz for helping me to get a SBA loan, Matt Miller was Great!!! He make everything really easy and he really knows what he is doing.

Smartbiz Loans was absolutely Fantastic to work with them . Process was expedient & flawless . Digital customer service kept us informed as to the status & expected time frames regarding approval & receiving funds . We could not be more pleased with exceptional handling of our loan !!!

They were excellent on their process and the request was quick

The Smartbiz process is very helpful in organizing a complex application process.

Smart by made this process so easy!! Will be using them again !! They are so nice and helpful!! Any business owner should give them a try before going anywhere else!!!

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. We turned to SmartBiz for help and they delivered! We would like to recognize Chris Schreiber on their team for all of the work he put in to get this SBA loan approved. Thanks to SmartBiz we have freed up the capital we need to continue growing.

It was a smooth experience working with you, you kept updating me all the time, that made me feel valued a lot. That was the best experience to me, ever with any banking institution. Thank you a million times.

SmartBiz... we were failed by this company. I don’t know if I’ll ever get the $83.700.00 in PPP that could really help my business, but I will keep my fingers crossed.

On or about 7/14 I received a phone call from someone in the legal department. I believe this was because of the 2 negative reviews I posted. This individual told me that the reason I could complete my application was because I did not get it in on time. Although I submitted it well before the cutoff date of May 31st. I explained to them that this is not true and relayed everything I did from 5/27 – 5/31 and the email exchanges. I also let them know I was filing a complaint with the SBA and Washington State Attorney General. They did not apologize and dismissed me out of hand. I was shocked and appalled that someone would call and lie to me from the legal department of SmartBiz.

Because we could not move forward, I then looked up a way to get it processed from the SBA site and SmartBiz was at the top of the list. May 27st, 2021 I started my application and proceeded to through their process. After clearing all the hurdles and submitting all documentation I came to the “Bank Verification” page. I submitted my account and routing numbers into the form. I received a notification that the numbers were incorrect. I double checked the numbers and again, called my bank to confirm and received the same notification.
Note: I am not unfamiliar with computers, Browsers or the internet because I worked for Microsoft from 2009 -2014 and ran a partner division as a Sr. Director.

SmartBiz allowed me to save my work so after saving it I restarted by browser, logged in and continued working. I was able to enter my bank information but this time I received a message that they could not securely connect because the banks security protocol was outdated. This seem odd to me considering I had just had a vendor complete a direct deposit into my business account. I also called the bank again to confirm this and they assured me that the Two-Factor Verification process was update and working properly.

I tried again and received the same message. My guess is that SmartBiz did not have the proper protocols updated or in place for Washington Trust and possibly other banks as well. I immediately called the number on their website 1.866.283.8726. After listening to the message that directed me to the PPP department, I left a message. In turn I emailed support at smartbiz

In short SmartBiz failed me and others.

To the reply below. I met all the qualifications, the issue was your back end could not verity the account. After talking to my bank in detail, they did not understand why your system could not connect when others could and did. I personally know someone that went through another 3 party provider at the same bank and they were processed. Their loan was done 1 day after mine. After talking with the SBA as well, you should have called and done everything you could to verify the bank account and not just left it to automation. Once the application was submitted, you were responsible to complete the application process. You Failed and I did get a call. My girlfriend was standing right there while the phone was on speaker. It may have not been the legal dept. but it was one of your reps. I can see from others they had the same issue or other issues. I hope that the letters sent to the CA AG, SBA and my political reps find their way to your door. Again... you and your company failed.

Unbelievable service. They get it done. Brian Watson was phenomenal.

all application process was easy and clear

They are the most unprofessional company that I’ve ever worked with. I worked with them as a broker for the PPP. Only about about 20 of my 300 clients were approved and honestly I don’t believe they submitted them as this was the second draw for many of them. Their process should have been easier. They didn’t even send decline notices. They kept these people holding on to hope for months until the program timed out. On top of all of this, it is now 6 months after the program ended and I haven’t received one Broker’s fee for my clients. They are supposed to pay out in 2 weeks… they also lied about the percentage they would pay brokers. It’s publicized as 2% in their dashboard. They’ve decided to pay 1% - if they ever pay. SmartBiz is in one word terrible.