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December 03, 2025

Small Business Automation in 2026

The goal of any business is to make money, and utilizing all of the resources available to you is the best way to do that. When looking for ways to boost profits, automating... Read More
November 28, 2025

Balancing Automation and Human Touch in Customer Service

Automation is a critical part of modern customer service, allowing small businesses to scale with demand both seasonally and year-over-year. Today's customer expects a 24/7... Read More
November 26, 2025

How to Use Additional Funding to Scale in Q1

Many business owners look for ways to scale their operations at the beginning of the fiscal year. Accessing additional funding early on allows you to reinvest in areas such... Read More
November 24, 2025

January 2026 Checklist for Small Business Owners

2026 is here! No matter how your 2025 ended, it’s a fresh year for new beginnings. One way to get your business year started on a positive note is to walk through a year-end... 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 19, 2025

Multiple SBA Loans: Can You Apply For an SBA Loan Twice?

If you've previously qualified for a Small Business Administration (SBA) loan, your business has likely benefited from the funds, putting you on a strong financial footing.... Read More
November 17, 2025

What Lenders May Look For in Year-End Financial Statements

Lenders carefully evaluate year-end financial statements when determining loan eligibility because they provide insight into a business's financial condition. Cash flow,... 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
November 12, 2025

Data-Driven Decisions: Using Analytics to Plan for 2026

Every new year brings new challenges to small businesses, and 2026 is no exception. Economic factors like tariffs, inflation, interest rates, and supply chain shifts will... 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.