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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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Money Management
May 18, 2026

5 Company Growth Stages and Their Challenges

Small businesses typically go through five stages between development and maturity. As your business grows, each phase presents its own opportunities, but there are also... Read More
Money Management
May 08, 2026

How to Lower Your Bills: 12 Ways to Reduce Monthly Costs

Here’s a familiar scenario: you sit down to review your business finances and realize your monthly operating costs are higher than expected. Between payroll, rent,... Read More
Money Management
March 23, 2026

Test Your Business Credit Score IQ

While it’s not the only factor that impacts your loan application, your credit score provides potential lenders with a snapshot of your borrowing history and your company’s... Read More
Money Management
March 18, 2026

The Pre-Expansion Financial Checklist Every Owner Needs

Expanding your business is a major milestone that every entrepreneur dreams of. Whether you’re adding a second location, increasing the number of products or services you... Read More
Money Management
March 02, 2026

Debt to Equity: How To Calculate and Utilize

Even though you can find your company’s debt on its balance sheet, putting those numbers in perspective may help lenders and other institutions evaluate your business... Read More
Money Management
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
Money Management
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
Money Management
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
Money Management
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

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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.