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    Can you apply for an SBA loan twice? The answer is generally yes, as long as your total funding remains within each program’s borrowing limits.

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    SBA Loan Timeline and How to Apply in 2025

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SmartBiz - Business Blog

How Banks Are Helping Small Businesses Evolve Faster

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Money Management
January 02, 2026

How to Start 2026 With a Financial Clean Slate

In any small business, the start of a new calendar year is often the time for a reset. Starting 2026 with a financial clean slate makes a big difference for both clarity and... Read More
Operations
December 31, 2025

Emerging Small Business Trends to Watch in 2026

Small businesses that plan ahead are often the ones best positioned to grow. Get a leg up on your company's 2026 business planning by paying attention to these emerging... Read More
Operations
December 30, 2025

Automate These 7 Small Business Tasks Before the New Year

The new year is an excellent time for businesses to reset and implement improvements. One of the best ways to upgrade your operations is through business automation. With a... Read More
Operations
December 26, 2025

Your 2026 New Year Business Plan Template

As 2025 winds down, you might find yourself doing what many business owners do at this time of year. You pause for a minute, maybe between decorating the office and finishing... Read More
Money Management
December 22, 2025

Year-End Accounting Mistakes That May Cost You

The end of the year is one of the most important checkpoints for maintaining accurate finances. Even small errors can create major issues that can plague your business for... Read More
Operations
December 19, 2025

How to Simplify Payroll Before the Year Ends

Year-end is one of the best opportunities for reviewing and refining your payroll processes. As small businesses close out their financials, the end of the year offers a... Read More
Business Loans
December 15, 2025

How Interest Rates Influence SBA Loans

As of December 10, 2025, the Federal Reserve lowered the federal funds rate bya half of a percentage. This is the second rate cut of the year, and the sixth since September... Read More
Money Management
December 15, 2025

How to Get Your Books in Order Before January 1

The end of the year is one of the most important times for business owners. The holiday season is the perfect time to organize your financial records and make sure that your... Read More
Money Management
December 08, 2025

The Benefits of Long-Term Debt

Not all debt is bad debt. In fact, some of the most successful small businesses use debt to scale and sustain their operations. By using long-term debt, you may be able to... Read More

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1. We conduct a soft credit pull that will not affect your credit score. However, in processing your loan application, SmartBiz Bank and the lenders with whom we work will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may impact your credit score.

The SmartBiz® Small Business Blog and other related communications from SmartBiz BankSM are intended to provide general information on relevant topics for managing small businesses. Be aware that this is not a comprehensive analysis of the subject matter covered and is not intended to provide specific recommendations to you or your business with respect to the matters addressed. Please consult legal and financial professionals for further information.