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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
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
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
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
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
January 26, 2026

How to Build a Funding Timeline for the Year Ahead

As a business owner, it’s important that you avoid being reactive when it comes to obtaining funds. Waiting until you’re in the middle of a cash crunch can lead to lengthy... Read More
January 21, 2026

Why Loan Calculators Matter for Financial Planning

Loan calculators are more than simple online tools. They are essential components of thoughtful financial planning. By providing insight into how different loan structures,... Read More
January 19, 2026

What is a Prepayment Penalty and What to Look Out For

When exploring business financing, prepayment penalties are one of the most important, but often overlooked, terms to understand. A prepayment penalty is a fee some lenders... Read More
January 16, 2026

Steps to Raise Your Business Credit Score in Q1

The first quarter of any year is a chance to hit the reset button on your business. It’s early enough in the year to make meaningful changes while still being close enough 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.