Disclosures

GoBiz Lending is a loan broker, not the lender. We are not a bank, a credit union, an SBA-approved lender, or a Certified Development Company (CDC). We do not underwrite loans, we do not make credit decisions, and we do not fund loans with our own capital.

What we do is advisory and packaging work: we help business owners identify which financing program fits their project, assemble and package the application, and present it to third-party lenders and funding sources in our network. Those lenders are unaffiliated with GoBiz Lending, and each one makes its own independent credit decision.

Every loan application submitted through GoBiz Lending is subject to review, underwriting, and approval by the lender. Financing is not guaranteed. Submitting an inquiry or a completed application to us does not create a commitment to lend, a pre-approval, or an offer of credit from GoBiz Lending or from any lender.

Final loan terms — including the interest rate, loan amount, fees, collateral requirements, and repayment structure — are set by the lender, not by GoBiz Lending, and are determined by the lender’s own underwriting criteria, the applicant’s credit and financial profile, the nature of the project, and applicable SBA or USDA program rules.

In order to source financing on your behalf, we have to show your information to the people who might fund it. By submitting an inquiry, an application, or supporting documentation to GoBiz Lending — through this website, by email, by phone, or in person — you authorize GoBiz Lending to share that information with its partner lenders, banks, CDCs, and third-party funding sources for the purpose of evaluating, underwriting, and processing your financing request.

The information shared may include the business and personal details you provide to us, along with the financial statements, tax returns, and supporting documents you submit in connection with your request. Lenders receiving your information may obtain consumer or business credit reports in the course of their underwriting, and their use of your information is governed by their own privacy policies.

We do not sell your information. We share it with lenders and funding sources for the purpose of pursuing the financing you asked us to pursue, and with service providers who help us operate our business. You may withdraw your consent at any time by contacting us at info@gobizlending.com, though doing so may end our ability to pursue financing on your behalf.

The rates published on this site are reference rates sourced from the Federal Reserve Economic Data (FRED) service and are provided for general informational purposes. They are index and benchmark rates — not quotes, offers, or the rate you will be charged.

Our calculators and analysis tools produce estimates for modeling purposes only. Actual rates, payments, fees, and terms vary by lender, loan program, loan size, credit profile, collateral, and market conditions, and are established by the lender at the time of approval. Nothing generated by a calculator on this site constitutes an offer of credit or a commitment to lend.

The content on this site — including program overviews, articles, insights, and podcast material — is general information about business financing. It is not legal, tax, accounting, or investment advice, and it is not a substitute for advice from qualified professionals who know your specific circumstances. You should consult your own advisors before entering into any financing transaction.

SBA and USDA program rules, loan limits, fees, and eligibility requirements are set by those agencies and change over time. While we work to keep program information on this site current and accurate, the governing terms are always those published by the SBA, the USDA, and the lender.

GoBiz Lending supports the principles of equal credit opportunity. We do not decline, discourage, or vary the service we provide on the basis of race, color, religion, national origin, sex, marital status, age, or because all or part of an applicant’s income derives from a public assistance program. Credit decisions are made by the lender, and lenders participating in SBA and USDA programs are subject to the Equal Credit Opportunity Act and applicable fair lending laws.