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August 10, 2026

How to Determine Use of Proceeds with an SBA Loan

With their competitive interest rates, predictable monthly payments, and extended repayment terms, SBA 7(a) loans have long been considered the gold standard when it comes to... 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
June 17, 2026

Small Business Loans for Women – Get SBA Funding

Obtaining low-cost financing may be among the most successful ways to boost small business growth. A 2025 Census Bureau report revealed that roughly 42.3% of small... Read More
June 08, 2026

What Lenders Really See When You Apply for a Business Loan (And Why Your Personal Finances Matter More Than You Think)

A business loan application isn't really about your business, at least not at first. Read More
June 07, 2026

What Is An SBA Loan And How To Get One

SBA loans are among the most popular options for small business owners no matter what stage their business is in. Usually, with competitive interest rates and longer... 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

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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.