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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 Banking
April 30, 2025

How Banks Can Help Small Businesses Optimize Cash Flow

You’ve landed a new client, your shelves are stocked, and invoices are out the door—but your bank balance says otherwise. Sound familiar? For many entrepreneurs, managing the... Read More
Money Management
April 23, 2025

What Is a Good Profit Margin for a Small Business?

Running a small business means facing an endless stream of daily numbers—sales and expense reports, inventory costs, and payroll figures… Oh my! How do you know where to... Read More
Business Stories
April 15, 2025

Sonoma County Carpentry: Building A Business Rooted In Family And Tradition

A foundation built on family and craftsmanship Russell Wahl’s passion for carpentry was shaped by his early years working alongside his father, a general contractor in Santa... Read More
Money Management
April 09, 2025

Income Statement Example: A Complete Guide for Small Business Owners

Feeling lost when it comes to understanding your business’s financial health? If you aren’t keeping a close eye on your business numbers, you could miss out on critical... Read More
Operations
April 03, 2025

How Tariffs May Impact Your Small Business

Additional tariffs went into effect on Wednesday, April 2. Many small businesses may face significant uncertainty as a result. Industries such as hospitality and retail,... Read More
Business Banking
April 01, 2025

How to Build a Strong Relationship with Your Small Business Financial Services Provider

Running a small business may be exhilarating, but it may also be frustrating, particularly when it comes to finances. One minute, you're flush with a big sale; the next,... 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

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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.