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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

How Banks Are Helping Small Businesses Evolve Faster

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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
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
Business Loans
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
Business Loans
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
Business Loans
January 07, 2026

How SBA 7(a) Loans Work: A Guide for First-Time Borrowers

Owning your own business is an exciting venture. Entrepreneurship is the backbone of the American economy. However, when you need an infusion of funds into your company, it’s... Read More
Business Loans
January 05, 2026

SBA Loan Documents: What You Will Need

While all loans may require some paperwork, SBA loans typically require more than other types. Whether you’re looking for funding to invest in new equipment or you need... Read More
Business Loans
December 15, 2025

How Interest Rates Influence SBA Loans

As of December 10, 2025, the Federal Reserve lowered the federal funds rate bya half of a percentage. This is the second rate cut of the year, and the sixth since September... 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.