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March 11, 2026

Three Signs You’re Ready to Scale This Spring

Spring is a time of new beginnings, and in the business world, it presents a great opportunity for growth. Many business owners use that time of year as a chance to evaluate... Read More
March 09, 2026

How Fast Can You Get a Small Business Loan? 6 Considerations

Small business owners often find themselves needing an influx of cash to meet business goals. While the amount you want to borrow certainly matters, you’ll also need... Read More
March 04, 2026

How to Fund Spring Hiring Without Straining Cash Flow

Spring is a common season for growth in the business world. Customer demand increases, new projects launch, and many businesses choose to expand their teams to keep up. While... Read More
March 02, 2026

Debt to Equity: How To Calculate and Utilize

Even though you can find your company’s debt on its balance sheet, putting those numbers in perspective may help lenders and other institutions evaluate your business... Read More
February 25, 2026

What Is the Minimum Credit Score for SBA Loans in 2026?

Securing an SBA loan is typically one of the most affordable ways to give your business a cash infusion. Whether you need to bring in more staff members or invest in a new... Read More
February 23, 2026

SBA 7a Loan Rates, Terms, Amount and Maturity

Are you looking for a low-cost loan with affordable payments? The Small Business Administration’s “flagship” program, the 7(a) loan, is one of the most affordable and secure... Read More
February 18, 2026

SBA Loan Repayment Terms Explained

SBA loans are generally considered the most affordable small business loans, thanks in large part to their borrower-friendly terms and lengthy repayment periods. But... Read More
February 16, 2026

SBA 7(a) Checklist: How to Get Started

SBA loans remain one of the most affordable and flexible funding options available to small business owners. Because they are backed by the federal government, SBA 7(a) loans... Read More
February 13, 2026

EAR vs. APR: What are the Differences Between EAR and APR?

If you’re looking for a small business loan, you may find yourself overwhelmed by the abundance of acronyms, like APR, APY, and EAR. Understanding what they mean may often be... 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.