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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
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
Business Loans
November 26, 2025

How to Use Additional Funding to Scale in Q1

Many business owners look for ways to scale their operations at the beginning of the fiscal year. Accessing additional funding early on allows you to reinvest in areas such... Read More
Business Loans
November 19, 2025

Multiple SBA Loans: Can You Apply For an SBA Loan Twice?

If you've previously qualified for a Small Business Administration (SBA) loan, your business has likely benefited from the funds, putting you on a strong financial footing.... Read More
Business Loans
November 17, 2025

What Lenders May Look For in Year-End Financial Statements

Lenders carefully evaluate year-end financial statements when determining loan eligibility because they provide insight into a business's financial condition. Cash flow,... Read More
Business Loans
November 07, 2025

SBA Loans for Construction Companies: What Builders Need to Know

Are you a contractor, builder, or construction business owner looking for better financing options? This article breaks down: Read More
Business Loans
November 05, 2025

SBA Loans for Medical Companies: What therapists, dental, and healthcare providers need to know

Are you running or planning to open a healthcare business? This article covers: 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.