Small
Business Loans

Check your loan
rate in minutes

Won't impact your credit score.

USWCC Smarter Business Loans is powered by

QUICK, AFFORDABLE

SMALL BUSINESS LOANS


Finally, access to credit that is designed with small business needs in mind. We provide quick, affordable term loans. Apply online and receive funding to your bank account in just days.

CASH IN YOUR POCKET

$250 REWARD


When growing your business, every dollar counts. Secure a small business loan through Smarter Business Loans and we’ll provide a $250 reward. Read details of the reward program.

$250 REWARD

CASH IN YOUR POCKET

We provide a $250 reward upon loan fulfillment.

QUICK

AND EASY

Funds can be in your bank account within just a few days.

RATE CHECK

NO RISK

Checking your rate has NO impact on your credit card.

LOW COST

EVERY PENNY COUNTS

Our low-cost platform can drive down your cost to secure credit.

FIXED RATE

NO SURPRISES

Low, fixed-rate loans. Your interest rate will never go up. Ever.

PREPAY

NO PREPAY PENALTY

There are no prepayment penalties and no hidden fees.

ABOUT SMARTER BUSINESS LOANS

We are thrilled to provide the opportunity for small businesses to secure, quick, easy and affordable access to capital at Smarter Business Loans. Powered by Lending Club, this platform provides an easy process with excellent terms and rates for qualifying small businesses.

No more presenting business plans, wading through multiple layers of bureaucracy, completing more and more paperwork and waiting weeks and weeks for a lender decision. When you apply for a loan through Smarter Business Loans, you have the ease of applying online from the comfort of your office, checking your rate without impacting your credit score and completing the loan process quickly with plenty of personal assistance.


This is small business lending done the right way.

The American Small Business Chamber of Commerce, U.S. Women’s Chamber of Commerce and the National Association of Small Business Contractors are here to support your business growth – and we are thrilled to support this opportunity to level the playing field for small business owners.

Cris Young – President, The American Small Business Chamber of Commerce / National Association of Small Business Contractors
Margot Dorfman - CEO, U.S. Women’s Chamber of Commerce

LOAN ELIGIBILITY

To borrow, a business must have $75,000 or more in annual sales. The business owner who completes the application must:

  • Own 20% or more of the business
  • Have owned the business for the last two years
  • Be authorized to borrow on behalf of the business
  • Be a US citizen or permanent resident, or be in the United States on valid long term visa
  • Be at least 18 years old

To qualify for a loan, a number of factors are considered including, but not limited to business financials and cash flow, business and guarantor credit profiles, and other information. At this time applications from businesses in IA, ID, ME, ND and NE cannot be accepted.

OVERVIEW OF THE LOAN PROCESS

Complete the form that begins above and submit your basic loan information.
Receive a custom quote and select the best loan term and rate for your firm.
Upload required documents (no business plan required). You will be contacted directly to get answers to any questions and assist you in the completion of your application. All of your information is reviewed.
When your loan is funded, the funds are electronically forwarded to your bank account.
Once you have received your funds, we will send your $250 "Cash in your pocket" reward.