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October 22, 2025

What Are SBA Loan Requirements for 2026?

Small business owners seeking funding in 2026 are finding that SBA loans remain one of the smartest ways to secure capital with affordable terms. Designed to support business... Read More
October 22, 2025

What Is SBA Loan Debt Refinance and How Does It Work?

For small business owners juggling multiple debts or stuck with high-interest loans, SBA loan debt refinance may be a game-changer. Refinancing through the U.S. Small... Read More
October 17, 2025

7 Questions Every Smart Business Owner Should Be Asking Right Now

There are many reasons you became a small business owner. Maybe you wanted more autonomy, dreamed of being your own boss, or were ready to turn a lifelong passion into your... Read More
October 15, 2025

Q&A: Answers to Common Questions About SBA Loans

Securing the right financing can be a game-changer for small business owners. But navigating loan options, especially those backed by the U.S. Small Business Administration... Read More
October 08, 2025

10 Things Successful Business Owners Are Doing Right Now

Even in a challenging economy, many small business owners are finding ways to grow, adapt, and lead with confidence. The market continues to shift, but those who stay... Read More
October 06, 2025

How Government Shutdowns Impact Small Businesses, Especially When Seeking Funding

As of October 1, 2025, the government shutdown went into effect. The SBA is directly affected, which means SmartBiz and all other SBA lenders are unable to complete final... Read More
September 17, 2025

How Interest Rates Influence SBA Loans

As of September 17, 2025, the Federal Reserve lowered the federal funds rate bya quarter of a percentage. This is the first rate cut of the year. Read More
September 17, 2025

How to Get an SBA Loan for Your Restaurant

Opening or expanding a restaurant is an exciting step for any business owner. But with rising costs, tight margins, and unpredictable revenue patterns, it often requires... Read More
September 08, 2025

How Banks May Help Small Businesses Build Financial Resilience

You're reviewing last month's numbers when your biggest client calls with news that'll make your stomach drop. They're cutting their order by 40% due to budget constraints.... 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.