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    Multiple SBA Loans

    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

    Get a leg up on 2026 business planning by paying attention to these emerging trends.

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SmartBiz - Business Blog

How Banks Are Helping Small Businesses Evolve Faster

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Business Loans
April 19, 2022

Is a Small Business Loan Secured or Unsecured?

When you need funding for your small business and you look up loans, certain terms and conditions might worry you. Namely, the prospect of collateral – assets a lender... Read More
Business Loans
April 15, 2022

How to Pick an Online Lender for a Small Business Loan

In the early stages of your small business, you might need a loan to help fund growth. Down the line, when your business has matured but you want to continue to build... Read More
Business Loans
April 14, 2022

How to Choose a Small Business Loan in 8 Easy Steps

When your business needs capital, speed can feel like the top priority. But choosing the wrong loan may strain cash flow, limit flexibility, or slow growth just when you’re... Read More
Business Loans
March 23, 2022

Interest Rate Increases for Business Loans in 2022: What to Know

The American economy is on the path to improve, so the Federal Government announced an interest rate hike to ease inflation. Read on to learn about how the interest... Read More
Business Loans
March 13, 2022

How to Qualify for an SBA Loan

Securing reliable funding is one of the most important steps a small business owner can take to fuel growth, manage operations, or navigate changing market conditions. For... Read More
Business Loans
January 25, 2022

Long Term Business Loans: Your Complete Guide

The benefits of long-term business loans, like an SBA loan with a 10-year term, can help you expand your business. Read More
Business Loans
January 24, 2022

Small Business Term Loans vs SBA Loans: Which Is Best for You?

There are lots of loan products to explore if you need funding for your small business. In fact, a Google® search for “small business loans in the U.S.” produces just about... Read More
Business Loans
January 23, 2022

How to Refinance a Business Loan in 7 Steps

Whether you’ve recently started your own business or you’ve been an entrepreneur for decades, cash flow isn’t always constant. When you need to meet payroll obligations or... Read More
Business Loans
January 22, 2022

Business Loan Agreement: A Guide

Finally! You’ve been approved for a small business loan! You’ve already probably had to produce a pile of documentation, complete multiple forms, and answer lots of... 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.