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June 03, 2026

Using Capital to Buy Time: The Most Underrated Growth Strategy

When many business owners think of using capital, they think of purchasing new equipment, hiring additional support staff, opening a new location, or launching a new... Read More
June 02, 2026

5 Personal Finance Habits Lenders Love, Ranked By Effort

Personal finance advice tends to treat every habit like it requires the same level of effort. Pay your bills on time, build savings, and reduce your debt. Easy enough right? Read More
June 01, 2026

How to Finance Small Business Growth: 12 Ways to Consider

Most small business owners are always searching for ways to improve their business, but it may be more difficult now, thanks largely to higher interest rates, especially... Read More
May 27, 2026

Why Efficient Scaling Starts Before You Spend a Dollar

Many small business owners assume that scaling begins when they start investing more money in hiring, developing new products, and launching new advertising campaigns.... Read More
May 25, 2026

How To Write a Business Growth or Recovery Plan

Here are the factors that should be included in a business growth plan. Pulling together the information below will give insight into your business today and serve as... Read More
May 20, 2026

How to Structure Your Loan Use for Maximum ROI

Business financing has the potential to create valuable growth opportunities for your company. However, it is important to consider how you are going to use the funds.... Read More
May 18, 2026

5 Company Growth Stages and Their Challenges

Small businesses typically go through five stages between development and maturity. As your business grows, each phase presents its own opportunities, but there are also... Read More
May 13, 2026

How to Test Before You Scale: Using Capital for Smart Marketing Experiments

Marketing is an important part of your business, no matter what stage it is in. As it grows, your marketing strategy needs to scale with it. However, scaling marketing... Read More
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

Smart growth is smart business

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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.