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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
July 08, 2022

Independent Contractor Loans: Here's What You Should Know

Working as an independent contractor or self-employed person has its benefits, but it also comes with some financial uncertainty. Your earning potential could be... Read More
Business Loans
July 06, 2022

Source of Funds Examples in a Business Plan: 8 Suggestions

A solid business plan is one of the most important documents you’ll need to create for your company. This document provides a roadmap for your company’s future... Read More
Business Loans
July 04, 2022

What is Equity Financing and How Does it Work? (+ Examples)

Businesses require lots of tools, equipment, and people to launch or grow – in other words, lots of money. That’s true both in the long term and the short term. At any... Read More
Business Loans
July 04, 2022

How to Qualify For A Small Business Loan in 5 Steps

When seeking business funding, it is best to apply for a loan with the lowest rate and longest terms. After all, you want the proceeds to help you reach your business... Read More
Business Loans
June 28, 2022

What is the Federal Reserve System? What You Should Know

Interest rate hikes are a hot topic these days. When the Fed adjusts interest rates, it touches almost every part of the economy. Two interest rate hikes have already... Read More
Business Loans
June 21, 2022

Small Business Loan Application: 7 Standard Questions Asked

The small business loan approval process can be complex. Before you start an application, it’s a good idea to be as prepared as possible. Generally, small business... Read More
Business Loans
June 10, 2022

What Does the SBA Loan Processing Time Look Like?

A U.S. Bank study tells us that about 82% of businesses fail due to poor cash management. While responsibly managing cash flow involves a number of facets, one avenue... Read More
Business Loans
June 09, 2022

SBA Loan vs Commercial Loan 2022: How Do They Compare?

Somewhere in the neighborhood of 600,000 small businesses launch in the United States every year. And within the first two years, 20% of them will likely collapse.... Read More
Business Loans
June 08, 2022

Why Did Your SBA Loan Get Denied? 6 Potential Reasons

Did your SBA loan get denied? You might not even know why. Most often, though, it’s one of a few common reasons. Here are some reasons why your SBA loan didn’t get... 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.