SBA & Business Term Loans


At IE Lending, we are committed to providing smart working capital financing solutions for your business. We offer a stress-free, streamlined process to ensure your success. We provide Bank term loans options for our valued business customers, which is an easy alternative to a small business loan, even tho we also provide SBA loans.  Our partner, SmartBiz Loans helps small business owners access trusted, low-cost capital to grow their business and achieve their business dreams. Funds can be used for working capital, high interest debt  consolidation, hiring employees or a commercial property purchase/refinance.

Apply below to get pre-qualified in 5 minutes. Many business types considered (even home based)!

  • $30,000 to $350,000
  • 650 Minimum FICO
  • Working Capital/Debt Refinance/ New Equipment
  • Monthly Payment debited from account
  • Fixed interest rate from 6.99%
  • No Collateral Needed
  • Quick Closings Available
  • Nationwide

If your business does not fall under one of the excluded categories, the next step is to meet the following common eligibility requirements for an SBA loan.

These are the eligibility requirements to apply for a $30,000 to $350,000 SBA 7(a) Working Capital or Debt Refinance Loan from banks that participate in the SmartBiz marketplace:

  • Time in business must be above 2 years

  • Business owner’s personal credit score must be above 650

  • The business must be U.S. based and owned by U.S. citizen or Lawful

  • Permanent Resident who is at least 21 years old

  • No outstanding tax liens

  • No bankruptcies or foreclosures in the past 3 years

  • No recent charge-offs or settlements

  • Current on government-related loans

Get Started