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June 16, 2026

Your Personal Savings Are A Business Strategy

Most business owners never sit down and map their personal goals and business milestones on the same calendar. Read More
June 15, 2026

Small-Business Guide to the Reinstated 100% Equipment Deduction

The One Big Beautiful Bill Act (OBBBA) introduced some of the most significant business tax changes in years. These changes may be especially impactful for companies... Read More
June 10, 2026

Managing Midyear Cash Flow

For many companies, the middle of the year is an ideal time to evaluate financial performance, adjust revenue goals, and determine what strategies are working.... Read More
June 03, 2026

Using Capital to Buy Time: The Most Underrated Growth Strategy

When many business owners think of using capital, they think of purchasing new equipment, hiring additional support staff, opening a new location, or launching a new... Read More
June 02, 2026

5 Personal Finance Habits Lenders Love, Ranked By Effort

Personal finance advice tends to treat every habit like it requires the same level of effort. Pay your bills on time, build savings, and reduce your debt. Easy enough right? Read More
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
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
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
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

Smart growth is smart business

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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.