FDIC Logo
FDIC-Insured—Backed by the full faith and credit of the U.S. Government
Skip to content
  • Financing solutions
  • How it works
  • Resources
  • About us

Explore Our Resources

November 10, 2026

Loan Proceeds and Scaling for the Holidays

The holiday season often brings a significant increase in sales for small businesses, but meeting that demand may require additional preparation. Owners may need to purchase... Read More
November 06, 2026

SBA Veterans Loans Explained: Funding Options for Entrepreneurs

Running a business is no small feat, and a number of veterans have taken the leap to own and operate their own enterprise after serving our country. According to the U.S.... Read More
November 04, 2026

The Small Business Saturday Readiness Checklist for Owners

Small Business Saturday is an excellent opportunity to connect with holiday shoppers, attract new customers, and encourage people to support your business. But making the... Read More
October 29, 2026

How to Build a Holiday Cash Flow Forecast

For many small businesses, the holiday season brings a welcome increase in sales. However, higher revenue doesn’t always mean that you have more cash on hand. You might need... Read More
October 28, 2026

Understanding the Average Business Loan Interest Rate: What You Need to Know

When you are comparing small business financing options, interest rates may help you evaluate borrowing costs and plan for repayment. However, the “average” business loan... Read More
October 23, 2026

Small Business Working Capital Loans: The Best Options

Working capital is the money your business uses to cover everyday expenses, from payroll and inventory to rent and supplies. When incoming revenue doesn't... Read More
October 21, 2026

Holiday Help For Your Small Business

The holiday season may bring a welcome increase in sales and orders, but meeting that demand may be challenging when your team is already stretched thin. Hiring... Read More
October 19, 2026

Tips to Help Small Business Borrowers Maximize Their Borrowing Power

Outside funding may be a vital ingredient for a small business’s growth and success. Whether you’re looking to expand your operations, invest in new equipment, or manage... Read More
October 16, 2026

How to Protect Your Team From Holiday-Season Burnout

The holiday season may be one of the most important times of year for your small business. However, it may also put pressure on the people who keep your business running.... Read More

Smart growth is smart business

Subscribe and receive tips, success stories, resources and more!

Access to the right loan for right now

See if you pre-qualify, without impacting your credit score. 1

Apply Now

Back to Top


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.