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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 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
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
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
April 20, 2026

How To Get a Business Loan With No Revenue

If you’re a small business owner, you’ve probably heard it said that it takes money to make money. A cash infusion may help stabilize your business or propel you forward.... Read More
April 01, 2026

How to Avoid Overborrowing During a Growth Opportunity

Growth opportunities are exciting for small business owners. Whether you’re expanding into a new market, adding members to your team, or launching a new product, the chance... Read More
March 16, 2026

7 Potential Reasons Why Your SBA Loan Was Denied

Having your SBA loan application denied is frustrating, but it doesn’t have to mean that your pursuit of additional funds is over. By understanding some of the most common... Read More
March 13, 2026

What Does the SBA Loan Processing Time Look Like?

Managing cash flow is a multifaceted aspect of building your business. Many business owners obtain additional financing to expand the company or to support its existing... Read More
March 11, 2026

Three Signs You’re Ready to Scale This Spring

Spring is a time of new beginnings, and in the business world, it presents a great opportunity for growth. Many business owners use that time of year as a chance to evaluate... 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.