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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
October 17, 2025

7 Questions Every Smart Business Owner Should Be Asking Right Now

There are many reasons you became a small business owner. Maybe you wanted more autonomy, dreamed of being your own boss, or were ready to turn a lifelong passion into your... Read More
August 06, 2025

What Lenders Look For In Your Business Bank Account Activity

You've built something incredible. Your customers love what you do, your team is growing, and you're ready to take that next big step. Then you sit down to apply for small... Read More
June 25, 2025

Tips to Help Build Business Credit When You Have Limited Credit History

You've launched your dream business and need financing to take it to the next level, but there's a problem: lenders want to see business credit history that you simply... Read More
April 23, 2025

What Is a Good Profit Margin for a Small Business?

Running a small business means facing an endless stream of daily numbers—sales and expense reports, inventory costs, and payroll figures… Oh my! How do you know where to... Read More
April 09, 2025

Income Statement Example: A Complete Guide for Small Business Owners

Feeling lost when it comes to understanding your business’s financial health? If you aren’t keeping a close eye on your business numbers, you could miss out on critical... Read More
March 26, 2025

IRS 2553 Instructions: Essential Information You Need to Know

When you own a small business, every decision matters—including how you choose to structure your company. It’s more than just paperwork, your business classification affects... Read More
January 21, 2025

2025 Tax Tips and Deadlines

Tax season can be stressful for small business owners, but it’s also an opportunity to get your financial house in order. Whether you're preparing to apply for a small... 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.