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Advancing Online Small Business Lending Education Advocacy and Best Practices Click here to learn more about SMART Box Who We Are The Innovative Lending Platform Association ILPA is a leading trade organization representing a diverse group of online lending and service companies serving small businesses. United by a shared commitment to the health and success of small businesses in America the ILPA is dedicated to advancing best practices and standards that support responsible innovation and access to capital for small businesses. The ILPA in partnership with the Association for Enterprise Opportunity launched a model small business pricing disclosure called SMART Straightforward Metrics Around Rate and Total Cost Box. The SMART Box is focused on empowering small businesses to better assess and compare finance options.