Payday loans are one of many easiest ways of securing funds immediately. SBA loans are offered by means of banks, credit unions and other lenders (together with lenders partnered with SmartBiz), with the SBA guaranteeing a portion of the loan if the borrower defaults. The benefit to the shopper of no credit check loans (i.e. no exhausting checks) is the fast request process with cash being deposited almost the same day (in certain conditions).