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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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    Emerging Small Business Trends to Watch in 2026

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SmartBiz - Business Blog

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Business Loans
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
Business Loans
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
Business Loans
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
Business Loans
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
Business Loans
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
Business Loans
February 11, 2026

Collateral Requirements for SBA Loans

In financial terminology, collateral refers to items that a borrower pledges to help secure a loan. When applying for an SBA loan, collateral may include business assets,... Read More
Marketing
February 09, 2026

Top 10 Business Marketing Apps for Small Businesses

It’s virtually impossible to accomplish your marketing goals without the right tools. In today’s digital landscape, there is a huge selection of marketing apps that can take... Read More
Business Loans
February 04, 2026

What Happens After SBA Loan Approval

Receiving the news that your SBA loan application has been approved is certainly something worth celebrating. However, it’s not the end of your financial journey. Approval is... Read More
Business Loans
February 02, 2026

Black Business Funding: Top Financing Options

Black-owned businesses continue to be a crucial part of the U.S. economy, representing an increasing share of small enterprises. According to recent data published by the... 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.