[Fundyman]

wondering the same thing. If i get declined from Smartbiz, is it worth sending the deal anywhere else? Or will it probably get declined with most other banks.

I'm sure it is worth sending elsewhere. There are certainly almost-SBA lenders out there. I just know they're not offering 10-yr loans.

Also, there's no way Smartbiz is using all the SBA banks out there, so it's just a matter of a declined deal not fitting their algorithm.

Other banks will be slightly more lenient but the question in my mind is "if the reason for decline is 'insufficient business credit' does that disqualify the merchant across the board with all banks...?"