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Money Management

September 03, 2026

Organizing Your Financials: A Checklist for Success

Running a business means keeping track of a lot more than sales and expenses. Bank statements, invoices, payroll records, tax documents, financial statements, and vendor... Read More

Money Management

Financial Organization Tips for Small Business Success

Some business owners don’t think about organizing their finances until tax season. Others don’t place a lot of emphasis on keeping documents organized until something goes... Read More

Money Management

100% Bonus Depreciation Is Back: What Local Businesses Should Review

Tax rules have shifted again for businesses planning investments in equipment, vehicles, technology, or facilities. The IRS says that for qualified property acquired and... Read More

Money Management

How to Prepare Financially for Opening a Second Location

Opening a second location is an exciting milestone. It may mean your business has steady demand, a loyal customer base, and a growth opportunity worth exploring. But... Read More

Money Management

Helping Local Businesses Prepare for Seasonal Opportunities

Seasonal demand has the potential to lead to significant growth for small businesses. However, it requires careful planning. Whether you’re anticipating a surge in retail... Read More

Money Management

Testing Scenarios Before Making a Financial Decision

Major financial decisions are often shrouded in uncertainty. However, that doesn’t mean that you have to go into them with little to no information. Testing different... Read More

Money Management

Refinancing for Flexibility: How Better Terms Support Stability

Financial pressure isn’t always directly related to a lack of revenue. In many cases, it stems from how your company manages debt while trying to sustain growth. High monthly... Read More

Money Management

January 15, 2026

Five Ways To Strengthen Your Financial Strategy

Centrust Bank, a division of SmartBiz Bank, N.A., offers more than basic banking products. Our accounts, cards, and digital tools can help business owners take a more... Read More

Money Management

November 13, 2025

How Local Businesses May Strengthen Cash Flow Before Year-End

Managing cash flow is crucial throughout the year, but especially toward the end. Why? Because it's your year-end cash flow statements that lenders look at when determining... 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, 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 happens after your application is in the funding process and matched with a lender who is likely to fund your loan

2. Numbers based on internal reporting and metrics

3. Based on FY2020 SBA loans data released by the SBA for SBA 7(a) loans under $350,000

4. This calculator is a tool meant to help you estimate monthly payment amounts based on the information you enter. The monthly payment provided is an estimate meant for illustrative purposes only, loan sizes, interest rates, and loan terms vary and are determined by the applicant's credit profile.