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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

    Get a leg up on 2026 business planning by paying attention to these emerging trends.

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SmartBiz - Business Blog

How Banks Are Helping Small Businesses Evolve Faster

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Operations
May 11, 2026

Small Businesses and Maternity Leave

A pregnancy announcement is exciting! If you’re a small business owner, your obligations to the expecting parents might go beyond congratulations or a gift. If... Read More
Money Management
May 08, 2026

How to Lower Your Bills: 12 Ways to Reduce Monthly Costs

Here’s a familiar scenario: you sit down to review your business finances and realize your monthly operating costs are higher than expected. Between payroll, rent,... Read More
Operations
May 06, 2026

5 Signs Your Business Technology Needs an Upgrade

Technology plays a central role in virtually every business. From scheduling employees to managing inventory, you probably use technology to keep your business operations... Read More
Business Loans
May 04, 2026

How to Qualify for a Small Business Loan in 5 Steps

In the past, small-business owners typically only considered interest rates and repayment terms when shopping for the best small business loan. Today, many applicants may... Read More
Marketing
May 01, 2026

National Small Business Week: The Ultimate Guide

National Small Business Week (NSBW) 2026 is upon us, serving as a beacon of support for small-business owners and entrepreneurs who are working to navigate a constantly... Read More
Operations
April 29, 2026

Operational Efficiency: Avoid These Common Time Wasters

While you must have money to keep your business running, time is your most valuable resource. You may be able to increase revenue, but you can’t give your business more hours... Read More
Business Loans
April 27, 2026

What is Considered a Traditional Loan? And How Do They Work?

Traditional loans are among the most popular choices for small business owners. However, when you consider the number of loan options available, it may be hard to determine... Read More
Operations
April 24, 2026

Operational Habits of Highly Efficient Small Business Owners

Effective small business owners don’t always rely on working longer hours to get all of their tasks completed. Instead, they focus on building systems and habits that allow... Read More
Business Loans
April 22, 2026

How to Fill Out a Personal Financial Statement - SBA Form 413

Small Business Administration (SBA) loans are some of the most popular options for small business owners, thanks largely to their lengthy repayment terms and lower interest... 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.