Paid referral: Johnny Funds earns a referral fee from SmartBiz Bank if your loan funds. You never pay Johnny Funds anything. SmartBiz makes every decision. How we get paid
SmartBiz Bank
SBA loans from $50K to $350K, explained in plain English
If your business is established and you need working capital, a refinance, or room to grow, SmartBiz Bank is one lender we partner with. Here is how it works and who it fits.
Paid referral: Johnny Funds earns a referral fee from SmartBiz Bank if your loan funds. You never pay Johnny Funds anything. SmartBiz makes every decision. How we get paid
You will leave johnnyfunds.cash and go to SmartBiz Bank's website. Johnny Funds earns a referral fee if your loan funds. SmartBiz makes all decisions.
I'm [Name], co-founder of Johnny Funds here in California. A lot of business owners we talk to have heard "SBA loan" and assume it means months of paperwork and a no at the end. Sometimes the process is long. But it helps to know what you are walking into before you start.
SmartBiz Bank lists SBA 7(a) loans from $50,000 to $350,000, bank term loans from $50,000 to $300,000, and lines of credit from $50,000 to $100,000, depending on qualifications (per SmartBiz Bank's website, checked Oct 20, 2026). SmartBiz reviews your business and makes every decision. We do not, and we never see your application.
Our job is simple: explain the process, point you to a lender that fits what you need, and get out of the way. If SmartBiz is not the right fit, we will tell you that too.
Who this is for
- Established businesses (not startups) with steady revenue and records you can share with a lender.
- Owners who need roughly $50K to $350K for working capital, refinancing existing debt, equipment, or expansion.
- People who are willing to gather documents in exchange for a bank or SBA-backed loan structure.
Who this is probably not for
- Pre-revenue startups or brand-new businesses. This is built for established companies.
- Anyone needing less than $50K or more than $350K. Our South End Capital page covers other sizes.
- Anyone who needs money in a day or two. SBA loans take time, often weeks to months.
How it works
- Read this page and the lender's own terms.
- Click "Check your options with SmartBiz Bank." You will land on SmartBiz's site.
- SmartBiz asks you questions and tells you what it needs. Your application, documents, and decision stay between you and SmartBiz.
- If your loan funds, SmartBiz pays Johnny Funds a referral fee. You pay us nothing. On SBA 7(a) loans that fee is disclosed on SBA Form 159, which you will see and sign.
What the lender lists (per its website, checked Oct 20, 2026)
| Product | What the lender publishes |
|---|---|
| SBA 7(a) loans | $50,000 to $350,000, depending on qualifications |
| Bank term loans | $50,000 to $300,000 |
| Lines of credit | $50,000 to $100,000 |
Source: SmartBiz Bank partner FAQ (smartbizbank.com/partners), checked Oct 20, 2026. Ranges can change; SmartBiz's current site controls. Johnny Funds does not quote rates or terms.
FAQ
Does Johnny Funds make the loan?
No. Johnny Funds is not a lender. SmartBiz Bank reviews applications, makes every decision, and gives you every loan disclosure.
Do I pay Johnny Funds anything?
No. If your loan funds, SmartBiz Bank pays us a referral fee. You never pay Johnny Funds.
Will I see the referral fee anywhere?
Yes. On SBA 7(a) loans, any referral fee paid to us is disclosed on SBA Form 159. The lender prepares it, and you, the lender, and Johnny Funds sign it.
What rate will I get?
We cannot tell you, and we do not quote rates. Pricing depends on your business and SmartBiz's own review. SmartBiz will give you its terms and disclosures directly.
What will SmartBiz look at?
Lenders generally look at things like time in business, revenue, credit, and cash flow. SmartBiz sets its own requirements, so check its site for the current list.
How long does an SBA loan take?
It varies by lender and by file. SBA loans often take weeks to months. Having your documents organized helps. Our free SBA Loan Readiness Checklist covers what lenders commonly ask for.
Does Johnny Funds see my application or financial documents?
No. Your application goes directly to SmartBiz. Please do not send us financial documents.
Can you help me decide if this is the right loan?
We can explain how the products work, but we do not give financial advice. For advice on your situation, talk to your CPA or financial advisor.
Important: Johnny Funds LLC is not a lender. We do not make loans, take applications, make credit decisions, or give financial, legal, or tax advice. We do not guarantee approval, rates, terms, or funding. Every lender sets its own requirements, makes every decision, and provides its own disclosures. Product details on this page are taken from each lender's own website as of October 20, 2026 and can change; always read the lender's current terms.