{"id":44693,"date":"2026-02-14T01:32:08","date_gmt":"2026-02-14T01:32:08","guid":{"rendered":"https:\/\/swoopfunding.com\/us\/?post_type=lender-review&#038;p=44693"},"modified":"2026-02-17T11:24:45","modified_gmt":"2026-02-17T11:24:45","slug":"smartbiz-business-loan-review-interest-rates-eligibility-and-the-application-process","status":"publish","type":"lender-review","link":"https:\/\/swoopfunding.com\/us\/lender-review\/smartbiz\/","title":{"rendered":"Smartbiz business loan review: Interest rates, eligibility, and the application process"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"44693\" class=\"elementor elementor-44693\" data-elementor-post-type=\"lender-review\">\n\t\t\t\t<div class=\"elementor-element elementor-element-64fbc99 e-flex e-con-boxed e-con e-parent\" data-id=\"64fbc99\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0647557 elementor-widget elementor-widget-text-editor\" data-id=\"0647557\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">If you\u2019ve ever looked into SBA or bank loans, you already know the problem: the money is affordable, but the process is exhausting. Long forms, unclear requirements, back-and-forth with lenders, and weeks of waiting can make even a strong business feel stuck.<\/span><\/p><p><span style=\"font-weight: 400;\">SmartBiz exists to simplify that experience. It doesn\u2019t lend money itself. Instead, it helps established small businesses apply for SBA loans, bank term loans, and lines of credit through partner banks, with clearer steps, upfront expectations, and hands-on guidance along the way.<\/span><\/p><p><span style=\"font-weight: 400;\">Swoop will break down how SmartBiz works, who it\u2019s best suited for, what kinds of financing are available, and what to expect before you apply. If you\u2019re weighing SmartBiz against other funding options, Swoop can help you compare them side by side so you can choose what fits your business best.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c47987 question elementor-widget elementor-widget-heading\" data-id=\"5c47987\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">An overview of Smartbiz business loans<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c869cb2 answer elementor-widget elementor-widget-text-editor\" data-id=\"c869cb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">SmartBiz is best understood as a financing platform, not a lender. Its role is to connect qualified businesses with banks offering <\/span><a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/\"><span style=\"font-weight: 400;\">SBA-backed loans<\/span><\/a><span style=\"font-weight: 400;\"> and traditional business financing, while helping applicants navigate a process that\u2019s often confusing and time-consuming.<\/span><\/p><p><span style=\"font-weight: 400;\">The company focuses on businesses that have passed the startup phase and are seeking lower-cost, longer-term capital, not quick cash advances or short-term fixes. According to SmartBiz, it has helped deliver more than $9 billion in funding to over 230,000 small businesses, which gives it a deep view into how bank and SBA lending actually works.<\/span><\/p><p><span style=\"font-weight: 400;\">If your priority is speed above all else, SmartBiz may feel slow. But if your priority is cost, structure, and predictability, it\u2019s designed with you in mind.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63d3e1e question elementor-widget elementor-widget-heading\" data-id=\"63d3e1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">SBA loans through SmartBiz<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ed7532 answer elementor-widget elementor-widget-text-editor\" data-id=\"3ed7532\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/swoopfunding.com\/us\/blog\/applying-for-an-sba-loan-what-you-need-to-know-before-you-start\/\"><span style=\"font-weight: 400;\">SBA loans<\/span><\/a><span style=\"font-weight: 400;\"> are one of SmartBiz\u2019s core offerings. These loans are partially guaranteed by the Small Business Administration and are known for their longer repayment terms and lower monthly payments.<\/span><\/p><p><span style=\"font-weight: 400;\">SmartBiz helps by organizing the SBA application process, guiding borrowers through documentation, and coordinating with SBA-approved partner banks. That doesn\u2019t mean the process is instant. SBA loans still require underwriting, review, and patience, but SmartBiz\u2019s role is to make the path clearer and more manageable.<\/span><\/p><p><span style=\"font-weight: 400;\">SBA loans accessed through SmartBiz are commonly used for:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Expanding an existing business<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Acquiring another company<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Purchasing equipment<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Refinancing business debt<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Supporting working capital needs<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">These loans are typically best for businesses with stable revenue, solid credit, and a long-term plan for growth.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b77f0a question elementor-widget elementor-widget-heading\" data-id=\"0b77f0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Bank term loans through SmartBiz<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6288d2a answer elementor-widget elementor-widget-text-editor\" data-id=\"6288d2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">In addition to SBA financing, SmartBiz connects businesses with <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/\"><span style=\"font-weight: 400;\">traditional bank term loans<\/span><\/a><span style=\"font-weight: 400;\">. These loans provide a lump sum upfront, repaid through fixed monthly payments over a defined term.<\/span><\/p><p><span style=\"font-weight: 400;\">Bank term loans are often used for planned investments, such as equipment purchases, renovations, or expansion projects, rather than day-to-day cash-flow gaps. Compared to SBA loans, they usually involve shorter repayment terms and slightly less paperwork, but still require strong fundamentals.<\/span><\/p><p><span style=\"font-weight: 400;\">Rates, terms, and fees are set by the bank, not SmartBiz, and vary based on the borrower\u2019s financial profile.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d5472c question elementor-widget elementor-widget-heading\" data-id=\"0d5472c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Business lines of credit through SmartBiz<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e4f348 answer elementor-widget elementor-widget-text-editor\" data-id=\"2e4f348\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">For businesses that want flexibility instead of a one-time loan, SmartBiz also offers access to <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/business-line-of-credit\/\"><span style=\"font-weight: 400;\">business lines of credit<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">A line of credit allows you to draw funds only when you need them, pay interest on what you use, and reuse available credit as you repay balances. SmartBiz\u2019s line-of-credit offering is positioned as a structured, bank-style product with predictable monthly payments and no draw fees.<\/span><\/p><p><span style=\"font-weight: 400;\">This option is often used to manage seasonal expenses, inventory cycles, or short-term opportunities without committing to a full loan upfront.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96c2456 question elementor-widget elementor-widget-heading\" data-id=\"96c2456\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is Smartbiz's typical interest rate<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8aeb766 answer elementor-widget elementor-widget-text-editor\" data-id=\"8aeb766\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">SmartBiz does not publish a single \u201ctypical\u201d interest rate because it does not set rates itself. All pricing is determined by partner banks and depends on the loan type and borrower profile.<\/span><\/p><p><span style=\"font-weight: 400;\">Based on SmartBiz\u2019s own disclosures:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">SBA loans typically use variable rates tied to the Prime Rate, within SBA guidelines<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bank term loans generally carry fixed interest rates<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lines of credit use variable rates, often based on SOFR plus a lender margin<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Exact APRs are not publicly disclosed before underwriting. What SmartBiz emphasizes instead is access to bank-grade pricing, which is often lower than short-term or alternative financing options.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-593d4a2 question elementor-widget elementor-widget-heading\" data-id=\"593d4a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How much can I borrow with a Smartbiz business loan?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-716c281 answer elementor-widget elementor-widget-text-editor\" data-id=\"716c281\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">How much you can borrow through SmartBiz depends on the type of financing and the partner lender involved.<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>SBA loans:<\/b> <a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-7a-loans\/\"><span style=\"font-weight: 400;\">SBA 7(a) loans<\/span><\/a><span style=\"font-weight: 400;\"> have a published maximum of up to $5 million, set by the Small Business Administration. Actual loan amounts depend on your business\u2019s financials, credit profile, and lender underwriting.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Bank term loans:<\/b><span style=\"font-weight: 400;\"> These loans typically offer mid-range borrowing amounts designed for established businesses with steady revenue and strong credit.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Business lines of credit:<\/b><span style=\"font-weight: 400;\"> Lines of credit generally provide smaller, revolving limits intended for short-term flexibility rather than large, one-time investments.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">During pre-qualification, SmartBiz helps identify which products, and realistic borrowing ranges, may be available to your business before you move into full underwriting.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-522556f question elementor-widget elementor-widget-heading\" data-id=\"522556f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is the acceptance rate for a Smartbiz business loan?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ff8175 answer elementor-widget elementor-widget-text-editor\" data-id=\"8ff8175\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">SmartBiz does not publish an acceptance rate.<\/span><\/p><p><span style=\"font-weight: 400;\">Approval depends on bank and SBA underwriting, which places heavy weight on credit quality, business history, and financial stability. In general, SmartBiz is designed for businesses that already meet bank-level expectations, not those looking to rebuild credit or access high-risk funding.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-790ded4 question elementor-widget elementor-widget-heading\" data-id=\"790ded4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Eligibility criteria and whether you qualify<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01171be answer elementor-widget elementor-widget-text-editor\" data-id=\"01171be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">While exact requirements vary by lender, SmartBiz consistently points to a few baseline expectations:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Time in business:<\/b><span style=\"font-weight: 400;\"> Typically at least two to three years<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Credit profile:<\/b><span style=\"font-weight: 400;\"> Good personal credit<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Revenue:<\/b><span style=\"font-weight: 400;\"> Stable and sufficient to support repayment<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Business type:<\/b><span style=\"font-weight: 400;\"> For-profit U.S. businesses<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Documentation:<\/b><span style=\"font-weight: 400;\"> Willingness to provide financial and ownership details<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Pre-qualification uses a soft credit pull, which does not impact your credit score. A hard inquiry may occur later if you move forward with a lender.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7148e9 question elementor-widget elementor-widget-heading\" data-id=\"c7148e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Additional information:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e5e240 answer elementor-widget elementor-widget-text-editor\" data-id=\"5e5e240\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Before applying, it\u2019s worth understanding a few practical details that affect timing and cost.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8435f2 question elementor-widget elementor-widget-heading\" data-id=\"e8435f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Early repayment fees<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4499534 answer elementor-widget elementor-widget-text-editor\" data-id=\"4499534\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Prepayment rules depend on the lender and product. Some loans allow early payoff with limited cost, while others include conditions or fees. These details are shared during the offer stage.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8814c05 question elementor-widget elementor-widget-heading\" data-id=\"8814c05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Approval timelines<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a82b302 answer elementor-widget elementor-widget-text-editor\" data-id=\"a82b302\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Pre-qualification is fast, but final approval takes longer, especially for SBA loans. Documentation quality and responsiveness can significantly affect timing.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f35c33 question elementor-widget elementor-widget-heading\" data-id=\"9f35c33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Funding timelines<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77d4914 answer elementor-widget elementor-widget-text-editor\" data-id=\"77d4914\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Once approved and closed, funds are released by the bank. SmartBiz helps coordinate the process, but final timing depends on lender processing.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-687245c question elementor-widget elementor-widget-heading\" data-id=\"687245c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Security requirements<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-636fec4 answer elementor-widget elementor-widget-text-editor\" data-id=\"636fec4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Collateral expectations vary by product. SBA loans often require collateral when available, while some bank products rely more on cash flow and credit history.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-487385f question elementor-widget elementor-widget-heading\" data-id=\"487385f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What documentation is required\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cbb776 answer elementor-widget elementor-widget-text-editor\" data-id=\"1cbb776\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">SmartBiz aims to reduce unnecessary paperwork, but bank and SBA financing still require documentation.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15150d0 question elementor-widget elementor-widget-heading\" data-id=\"15150d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Business information\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1da0c9a answer elementor-widget elementor-widget-text-editor\" data-id=\"1da0c9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Legal business details<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Industry and operating history<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Revenue and financial performance<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45dac69 question elementor-widget elementor-widget-heading\" data-id=\"45dac69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Business owner information\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fddbb74 answer elementor-widget elementor-widget-text-editor\" data-id=\"fddbb74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ownership structure<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identification and credit review<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec76b2a question elementor-widget elementor-widget-heading\" data-id=\"ec76b2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Funding requirement\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7b453c answer elementor-widget elementor-widget-text-editor\" data-id=\"f7b453c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Requested amount<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Intended use of funds<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Supporting financial records<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Having organized records upfront can meaningfully speed up the process.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1b0095 question elementor-widget elementor-widget-heading\" data-id=\"b1b0095\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to apply for a Smartbiz business loan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4faf6e1 answer elementor-widget elementor-widget-text-editor\" data-id=\"4faf6e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Applying through SmartBiz follows a guided flow:<\/span><\/p><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pre-qualify online in about five minutes<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Review recommended options based on your business profile<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Work with a SmartBiz specialist to complete the application<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Submit documentation for lender review<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Receive approval and funding once underwriting and closing are complete<\/span><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-977766a question elementor-widget elementor-widget-heading\" data-id=\"977766a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Is the application process different to other lenders?\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21dba5d answer elementor-widget elementor-widget-text-editor\" data-id=\"21dba5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Yes. Rather than leaving you to navigate bank requirements alone, SmartBiz provides structure and guidance throughout the process. That doesn\u2019t eliminate underwriting, but it reduces confusion and backtracking.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-edabecd question elementor-widget elementor-widget-heading\" data-id=\"edabecd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How to improve your chances of getting funded<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db5f29b answer elementor-widget elementor-widget-text-editor\" data-id=\"db5f29b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Make sure financial records are accurate and complete<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Be clear about how funds will be used<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Respond quickly to follow-up requests<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Apply for amounts that align with your cash flow<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Prepared applications move faster.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db8d0bd question elementor-widget elementor-widget-heading\" data-id=\"db8d0bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pros &amp; cons of a Smartbiz business loan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-726b9fa answer elementor-widget elementor-widget-text-editor\" data-id=\"726b9fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">SmartBiz works best for businesses that value structure and cost over speed.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b39249 elementor-widget elementor-widget-ucaddon_pros\" data-id=\"4b39249\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_pros.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t \n <div class=\"pros\">\n <div class=\"header-pro\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/themes\/swoopMW50\/assets\/images\/pros.svg\" width=\"72\" height=\"72\" alt=\"Pros\">\n <p class=\"title\">Pros<\/p>\n <\/div>\n <div class=\"content-pro\">\n <ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Access to SBA and bank loans:<\/b><span style=\"font-weight: 400;\"> Lower-cost, longer-term financing<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Guided process:<\/b><span style=\"font-weight: 400;\"> Support throughout application and underwriting<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Soft credit pre-qualification:<\/b><span style=\"font-weight: 400;\"> No initial credit impact<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Multiple financing options:<\/b><span style=\"font-weight: 400;\"> SBA loans, term loans, and lines of credit<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Proven track record:<\/b><span> Billions delivered to small businesses<\/span><\/li><\/ul> <\/div>\n <\/div>\n \n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ae6d1b elementor-widget elementor-widget-ucaddon_cons\" data-id=\"4ae6d1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_cons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t \n <div class=\"cons\">\n <div class=\"header-cons\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/themes\/swoopMW50\/assets\/images\/cons.svg\" width=\"72\" height=\"72\" alt=\"Cons\">\n <p class=\"title\">Cons<\/p>\n <\/div>\n <div class=\"content-cons\">\n <ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Not a direct lender:<\/b><span style=\"font-weight: 400;\"> Final terms depend on partner banks<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Higher eligibility bar:<\/b><span style=\"font-weight: 400;\"> Not suitable for startups or distressed businesses<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Slower than alternative lenders:<\/b><span style=\"font-weight: 400;\"> Especially for SBA financing<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>More documentation required:<\/b><span> Compared to short-term funding<\/span><\/li><\/ul> <\/div>\n <\/div>\n \n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d7ba87 question elementor-widget elementor-widget-heading\" data-id=\"3d7ba87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Alternative funding options for different lenders<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff455f1 answer elementor-widget elementor-widget-text-editor\" data-id=\"ff455f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">SmartBiz is designed for businesses that meet bank or SBA requirements and are willing to wait longer in exchange for lower costs and structured repayment. If that doesn\u2019t match your situation, other funding models may be a better fit.<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Short-term online loans:<\/b><span style=\"font-weight: 400;\"> Fast-access capital for urgent needs, often funding within days. These loans prioritize speed over cost and usually come with higher interest rates and shorter repayment periods.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/revenue-based-financing\/\"><b>Revenue-based financing<\/b><\/a><b>:<\/b><span style=\"font-weight: 400;\"> Funding tied to a percentage of your sales, with repayments that rise and fall with revenue. This can work for businesses with consistent sales volume but it is typically more expensive than bank or SBA loans.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Invoice funding:<\/b><span style=\"font-weight: 400;\"> A strong option for B2B businesses dealing with slow-paying customers. This allows you to unlock cash tied up in unpaid invoices without taking on long-term debt.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/equipment-financing\/\"><b>Equipment financing<\/b><\/a><b>:<\/b><span style=\"font-weight: 400;\"> Best suited for purchasing specific assets such as vehicles or machinery. Repayment is tied to the useful life of the equipment, which can make payments more predictable.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Business credit cards:<\/b><span style=\"font-weight: 400;\"> Useful for smaller, short-term expenses and flexibility, but costs can escalate quickly if balances aren\u2019t paid down.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Choosing the right option depends less on what sounds attractive and more on how your cash flow behaves, how quickly you need funds, and how much cost you\u2019re willing to trade for speed or flexibility.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4627ef0 question elementor-widget elementor-widget-heading\" data-id=\"4627ef0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why use a finance broker?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-140b9b5 answer elementor-widget elementor-widget-text-editor\" data-id=\"140b9b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Most business owners don\u2019t struggle because financing doesn\u2019t exist; they struggle because choosing the <\/span><i><span style=\"font-weight: 400;\">wrong<\/span><\/i><span style=\"font-weight: 400;\"> type of financing is expensive.<\/span><\/p><p><span style=\"font-weight: 400;\">A broker like Swoop helps you step back and assess the full picture before you apply. Instead of guessing which lender might say yes, Swoop helps you compare realistic options based on your business profile, timing needs, and cost tolerance.<\/span><\/p><p><span style=\"font-weight: 400;\">That means fewer dead-end applications, clearer expectations around approval and pricing, and a much better chance of landing on a funding structure that won\u2019t strain your cash flow six months down the line. Especially when comparing bank, SBA, and alternative lenders, that guidance can save both time and money.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f13f0f question elementor-widget elementor-widget-heading\" data-id=\"2f13f0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get started with Swoop\u2019s business funding platform\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1539bb answer elementor-widget elementor-widget-text-editor\" data-id=\"e1539bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">SmartBiz can be an excellent option for established businesses looking for structured, lower-cost financing, but it\u2019s not always the right first step for every situation.<\/span><\/p><p><span style=\"font-weight: 400;\">With Swoop\u2019s business funding platform, you can explore SmartBiz alongside other lenders, see which products you\u2019re likely to qualify for, and understand the trade-offs before you commit. Whether you\u2019re prioritizing cost, speed, flexibility, or long-term stability, Swoop helps you start from a position of clarity rather than guesswork.<\/span><\/p><p><span style=\"font-weight: 400;\">You can <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/apply-now\/\"><span style=\"font-weight: 400;\">register with Swoop today<\/span><\/a><span style=\"font-weight: 400;\"> to explore your funding options and apply when you\u2019re ready \u2014 confident that the choice fits how your business actually operates.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d26aaa elementor-widget elementor-widget-button\" data-id=\"9d26aaa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/swoopfunding.com\/us\/business-loans\/apply-now\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Register with Swoop to discover your tailored options<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"author":99,"featured_media":0,"parent":0,"template":"","lender-review-categories":[410],"class_list":["post-44693","lender-review","type-lender-review","status-publish","hentry","lender-review-categories-lenders"],"acf":[],"featured_image_urls_v2":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":"","image_blog":"","image_blog_full":"","image_podcast":"","image_banking":"","image_blog_internal":"","image_blog_medium":"","image_single_banking":""},"post_excerpt_stackable_v2":"<p>If you\u2019ve ever looked into SBA or bank loans, you already know the problem: the money is affordable, but the process is exhausting. Long forms, unclear requirements, back-and-forth with lenders, and weeks of waiting can make even a strong business feel stuck.SmartBiz exists to simplify that experience. It doesn\u2019t lend money itself. Instead, it helps established small businesses apply for SBA loans, bank term loans, and lines of credit through partner banks, with clearer steps, upfront expectations, and hands-on guidance along the way.Swoop will break down how SmartBiz works, who it\u2019s best suited for, what kinds of financing are available,&hellip;<\/p>\n","category_list_v2":"","author_info_v2":{"name":"Ashlyn Brooks","url":"https:\/\/swoopfunding.com\/us\/author\/ashlyn-brooks\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/lender-review\/44693","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/lender-review"}],"about":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/types\/lender-review"}],"author":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/users\/99"}],"version-history":[{"count":8,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/lender-review\/44693\/revisions"}],"predecessor-version":[{"id":44702,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/lender-review\/44693\/revisions\/44702"}],"wp:attachment":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/media?parent=44693"}],"wp:term":[{"taxonomy":"lender-review-categories","embeddable":true,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/lender-review-categories?post=44693"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}