About SmartBiz Bank, N.A.
Data updated- Website
- smartbizbank.com
- Category
- Money & Insurance
- Location
- United States · Chicago, IL | San Francisco, CA | Austin, TX
- Status
- Unclaimed
- Last 12 months
- 31 reviews
- Replies to negative
- 37% (10/27)
Is SmartBiz Bank, N.A. legit?
SmartBiz Bank, N.A. (smartbizbank.com) has a 4.4 out of 5 rating on OK.one, based on 200 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 86% of reviews are 4 stars or higher and 12% are 1 star; The business has replied to 37% of negative reviews; 31 of them were added in the last 12 months. Last updated 2026-08-10.
What people say
I would suggest another company
I went with SmartBiz because the Credit Union that my car loan is with suggested them and I trust the credit union. My SmartBiz PPP loan experience for the first round was very smooth and easy. In the second round, I was sent several messages about my loan being moved to other banks and then follow up messages saying that was incorrect. I also received messages about my application being incomplete and then was told I was rejected due to it's incompleteness (it was not incomplete). Workers stopped responding to me via email and then the rejection email said to call their 800 number to follow up with questions. When you call the number, it is only an automated message telling you to email them. I'm sure like everywhere else, they are understaffed and overwhelmed so I'm giving them 3 stars. My first loan process would receive 4.5 stars but the second one was a 1.5-2 at best. Luckily my funding bank ultimately did approve me despite multiple rejection letters from SmartBiz. I only found that out when the money deposited out of nowhere. Whenever I've logged on to my account in the past few months, my loan documents are sometimes available and other times it states that I have no documents. It's just a general mess.
I m very happy with the service…
I m very happy with the service thanks you for all your helps....!!!
I would like to thank Smartbiz for a…
I would like to thank Smartbiz for a job well.done this loan will deafently get my company back into gear I can't say thank yall enough but thank if I had to do a recommendation I would definitely recommend smartbiz yall rock thanks again
Great Job Jamison!
So this review is to highlight the hard work, patience, expertise and perseverance of Jamison Guy! with Smartbiz Loans. I was having a horrible experience and Jamison was willing to help! I cannot say enough about how much Jamison’s, professionalism and efforts meant to me! I am in hopes that Managers and Corporate, see this review. Jamison turned this from a-1 star to a 5 star experience! no kidding! As a professional it’s important to me when I see hard work like this highlighted!! great communication skills, superb listening skills, great response time, and expertise.. Please keep up the great work! Thanks again. Kimberly M
SmartBiz assisted my business needs…
SmartBiz assisted my business needs during this time of uncertainty. I couldn't imagine doing this without their professional representatives.
It took a long time and i was sent a…
It took a long time and i was sent a rejection letter. I looked in my account one day and saw the money. Since they have been very helpful,
Administrator
SmartBiz was very active and helpful throughout processing of the application. Staff was very courteous and prompt in responding to any inquiry I may have. I liked working with SmarBiz.
Easy to use platform
Easy to use platform - other than a message saying we didn't' get the loan when we actually did. In the end it all worked out!
world-class horrible
I’ve never left a company review before, but they've earned it. SmartBiz has truly the worst customer service in the world.
Terrible customer service
Perfect
Perfect, easy, documents no complicate.
Great experience and even with the…
Great experience and even with the representatives
I had a great experience working with smartbiz
I had a great experience working with smartbiz it was an experience that truly was a blessing for my business I like to thank you all James it was a great help to my business
Great service
Great service, and ease..... 2nd time using them
Great
Great didn't take long at all
I am happy
I am happy they really did excellent job
Great service
Great service and great communication via email.
You guys are awesome
You guys are awesome, when I will receive the 2nd portion.
No Services Provided
I applied for a PPP loan as an independent contractor through SmartBiz. After receiving a few emails implying things were going smoothly, communication from SmartBiz dropped off. When I followed up, I was informed that my loan was rejected and that it's too late to apply again. SmartBiz did not inform me why my loan was rejected or if it was due to something on my end or theirs. If I had been informed sooner, I could have reapplied with a different company. When I asked customer service why this happened, they did not give me a straight answer or take any responsibility for failing to provide services. SmartBiz has done nothing for me and I would not use it again or recommend it to a friend.
