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SmartBiz - Business Blog

How to Determine the Right Type of Small Business Loan for Your Company

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Business Loans
May 15, 2025

How to Use an SBA Loan to Build Business Resilience

How can your small business weather sudden storms? Every day, small business owners face unexpected challenges—a major client suddenly cancels, a supply chain disruption... Read More
Business Loans
May 13, 2025

How the New SBA SOP Affects Loan Eligibility and Requirements

The SBA has released an update to its Standard Operating Procedures (SOP), effective June 1, 2025. These changes impact loan eligibility, use of proceeds, and documentation... Read More
Business Loans
March 27, 2025

SBA Reinstates Guaranty Fees for 7(a) Loans: What Small Business Owners Need to Know

The Small Business Administration (SBA) has announced an important change to its fee structure for 7(a) loans. Starting March 27, 2025, the SBA will reinstate the Guaranty... Read More
Business Loans
March 12, 2025

5 Common Misconceptions About SBA Loans and the Truth Behind Them

Running a small business can sometimes feel like solving a funding puzzle–trying to fit your big ideas into your business's tight budget to make it all happen. Whether... Read More
Business Loans
March 05, 2025

How to Use an SBA Loan to Transition Your Business to the Next Generation

Handing your small business to the next generation is a defining moment in any entrepreneur's journey. Whether you’re passing the reins to a family member, a trusted... Read More
Business Loans
February 19, 2025

Are SBA Loans Taxable? Essential Tax Information for Small Business Owners

Small Business Administration (SBA) loans are often a top funding choice for small business owners. They typically offer lower interest rates, longer repayment terms, and... Read More
Business Loans
February 12, 2025

SBA Loan Timeline and How to Apply in 2025

An SBA 7(a) loan may provide valuable working capital or help you refinance expensive debt. When you’re shopping for a lender, one important factor to consider is the... Read More
Business Loans
February 05, 2025

Glossary of Terms for Small Business Owners 

Running a small business is no small task. You're juggling multiple priorities daily—from managing employees to growing sales. And in the background, the systems and... Read More
Business Loans
January 15, 2025

Business Lines of Credit: How They Work and Tips on How to Qualify

You’ve just secured the biggest order of the year—great news for your business. But there’s a catch. Payment won’t arrive for 60 days, and in the meantime, payroll is due,... 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.