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January 21, 2026

Why Loan Calculators Matter for Financial Planning

Loan calculators are more than simple online tools. They are essential components of thoughtful financial planning. By providing insight into how different loan structures,... Read More
January 16, 2026

Steps to Raise Your Business Credit Score in Q1

The first quarter of any year is a chance to hit the reset button on your business. It’s early enough in the year to make meaningful changes while still being close enough to... Read More
January 12, 2026

How to Conduct a Funding Needs Assessment for Your Business

Instead of waiting for cash to become tight, a funding needs assessment is a great way for business owners to plan for the future. This process helps you proactively identify... Read More
January 02, 2026

How to Start 2026 With a Financial Clean Slate

In any small business, the start of a new calendar year is often the time for a reset. Starting 2026 with a financial clean slate makes a big difference for both clarity and... Read More
December 22, 2025

Year-End Accounting Mistakes That May Cost You

The end of the year is one of the most important checkpoints for maintaining accurate finances. Even small errors can create major issues that can plague your business for... Read More
December 15, 2025

How to Get Your Books in Order Before January 1

The end of the year is one of the most important times for business owners. The holiday season is the perfect time to organize your financial records and make sure that your... Read More
December 08, 2025

The Benefits of Long-Term Debt

Not all debt is bad debt. In fact, some of the most successful small businesses use debt to scale and sustain their operations. By using long-term debt, you may be able to... Read More
November 21, 2025

What Year-End Business Finance Questions Should You Ask in 2025?

As a very challenging year for business owners comes to an end, it’s important to take a clear look at your overall financial health. Do you have the funding necessary to... Read More
November 14, 2025

5 Financial Moves Small Businesses Should Make Before Year-End

The closing weeks of the calendar year offer a valuable opportunity for business owners to assess their financial health. Thoughtful course corrections can help lay the... 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.