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March 25, 2026

Building a Hiring Plan That Aligns With Your Financing Strategy

Expanding your team may be one of the most important steps that you take as a business owner. However, in addition to making sure that you hire the right people, it’s also... 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
March 16, 2026

7 Potential Reasons Why Your SBA Loan Was Denied

Having your SBA loan application denied is frustrating, but it doesn’t have to mean that your pursuit of additional funds is over. By understanding some of the most common... Read More
March 11, 2026

Three Signs You’re Ready to Scale This Spring

Spring is a time of new beginnings, and in the business world, it presents a great opportunity for growth. Many business owners use that time of year as a chance to evaluate... Read More
March 09, 2026

How Fast Can You Get a Small Business Loan? 6 Considerations

Small business owners often find themselves needing an influx of cash to meet business goals. While the amount you want to borrow certainly matters, you’ll also need... Read More
March 04, 2026

How to Fund Spring Hiring Without Straining Cash Flow

Spring is a common season for growth in the business world. Customer demand increases, new projects launch, and many businesses choose to expand their teams to keep up. While... Read More
March 02, 2026

Debt to Equity: How To Calculate and Utilize

Even though you can find your company’s debt on its balance sheet, putting those numbers in perspective may help lenders and other institutions evaluate your business... Read More
February 25, 2026

What Is the Minimum Credit Score for SBA Loans in 2026?

Securing an SBA loan is typically one of the most affordable ways to give your business a cash infusion. Whether you need to bring in more staff members or invest in a new... 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.