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July 24, 2026

How to Respond to Negative Reviews in 11 Effective Steps

Unfortunately, negative reviews might undermine your business reputation. Your online reputation is your strongest asset or biggest liability and should... Read More
July 22, 2026

What to Do If Your Cash Flow Isn’t Matching Your Growth Goals

Periods of growth are some of the most exciting times for any business owner. When you launched your company, you did so with days like this in mind. However, growth isn’t... Read More
July 20, 2026

Customer Service Guide for Small Businesses

The first impressions your employees make on a potential (or returning) customer may have a lasting impact. That’s why focusing on providing top-notch service at all times is... Read More
July 17, 2026

Cash Flow Forecast: What It Is and Why It's Important

As a small business owner, you need a deep understanding of your business finances. You need to understand your profit and loss statement; you need a rock-solid plan to pay... Read More
July 15, 2026

The Hidden Cost of Waiting Too Long to Secure Funding

Many business owners assume that they need to wait until they’re in the middle of a cash crunch to apply for funding. While this approach may seem practical, it has the... Read More
July 13, 2026

4 Common Reasons to Consider Taking Out a Small Business Loan

There are several steps involved in launching and maintaining a successful small business. From choosing the initial product or service to putting systems and... Read More
July 10, 2026

Choosing a Small Business Lender

Small business owners are dealing with widespread economic uncertainty. From higher inflation rates to constantly shifting consumer habits, many small businesses are looking... Read More
July 08, 2026

Midyear Check: What Your Financials Are Telling You Right Now

The halfway point of the year is one of the best opportunities to evaluate your company's financial health. By this point, you should have enough financial data to identify... Read More
July 06, 2026

How Independent Retailer Month May Help You Boost Your Business

According to The Business Journal, more than $9.3 billion would be directly returned to our economy if every family in the United States spent just $10 a month at a local... 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.