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August 14, 2026

Cost Of Sales vs COGS: 8 Ways To Differentiate The Terms

Knowing your cost of goods sold (COGS) and the cost of sales is an important part of understanding your balance sheet. Both numbers help determine how... Read More
July 27, 2026

Build and Manage Your Personal Credit Scores

As a small-business owner, you might not think that your personal credit score is important. However, you may need a good personal credit score if you want to secure... Read More
July 22, 2026

What to Do If Your Cash Flow Isn’t Matching Your Growth Goals

Periods of growth are some of the most exciting times for any business owner. When you launched your company, you did so with days like this in mind. However, growth isn’t... Read More
July 08, 2026

Midyear Check: What Your Financials Are Telling You Right Now

The halfway point of the year is one of the best opportunities to evaluate your company's financial health. By this point, you should have enough financial data to identify... Read More
July 01, 2026

How to Reforecast Your Budget Based on Summer Trends

When you built your company’s budget for this year, you no doubt looked at past data. However, there were probably also some future projections that... Read More
June 26, 2026

5 Most Important Financial Policies and Procedures for Small Business

Many small businesses now operate remotely. Allowing staff members to work from home not only makes your company more appealing to potential hires, but it... Read More
June 24, 2026

The Counterintuitive Truth About Summer Slowdowns

For many small business owners, summer is an uncomfortable time of year. Many consumers travel or spend more time at home, which typically leads to them making fewer... Read More
June 22, 2026

Small Business Revenue: Determine Where You Stand

As a business owner, regularly reviewing your annual revenue gives you a clear picture of your company’s current health and helps you evolve your business strategically so... Read More
June 18, 2026

Mid-Year Funding Check: Do You Have Enough Capital to Finish Strong?

The middle of the year is more than just a milestone on the calendar. It also may present an opportunity for business owners to make sure that they have enough capital to... 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.