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July 17, 2026

Cash Flow Forecast: What It Is and Why It's Important

As a small business owner, you need a deep understanding of your business finances. You need to understand your profit and loss statement; you need a rock-solid plan to pay... Read More
July 15, 2026

The Hidden Cost of Waiting Too Long to Secure Funding

Many business owners assume that they need to wait until they’re in the middle of a cash crunch to apply for funding. While this approach may seem practical, it has the... Read More
July 13, 2026

4 Common Reasons to Consider Taking Out a Small Business Loan

There are several steps involved in launching and maintaining a successful small business. From choosing the initial product or service to putting systems and... Read More
July 10, 2026

Choosing a Small Business Lender

Small business owners are dealing with widespread economic uncertainty. From higher inflation rates to constantly shifting consumer habits, many small businesses are looking... Read More
July 08, 2026

Midyear Check: What Your Financials Are Telling You Right Now

The halfway point of the year is one of the best opportunities to evaluate your company's financial health. By this point, you should have enough financial data to identify... Read More
July 06, 2026

How Independent Retailer Month May Help You Boost Your Business

According to The Business Journal, more than $9.3 billion would be directly returned to our economy if every family in the United States spent just $10 a month at a local... Read More
July 01, 2026

How to Reforecast Your Budget Based on Summer Trends

When you built your company’s budget for this year, you no doubt looked at past data. However, there were probably also some future projections that... Read More
June 26, 2026

5 Most Important Financial Policies and Procedures for Small Business

Many small businesses now operate remotely. Allowing staff members to work from home not only makes your company more appealing to potential hires, but it... Read More
June 24, 2026

The Counterintuitive Truth About Summer Slowdowns

For many small business owners, summer is an uncomfortable time of year. Many consumers travel or spend more time at home, which typically leads to them making fewer... 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.