Recent Blog Posts
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Small Business Credit Quality Is Declining. Here Is What That Means for Your Business.
Fifteen consecutive quarters of declining applicant credit quality, running from the second quarter of 2022 through the fourth quarter of 2025, according to the Federal Reserve Bank of Kansas City Small Business Lending Survey.
Small Business Loan Denial: What Lenders See Before You Get the Answer
By the time a lender delivers their answer, your financials have already told them what they need to know. Understanding what they are looking for is the first step toward changing the outcome.
Why Online Loans Feel Easier but Cost More
Businesses using alternative lenders are typically newer or do not meet traditional lending standards. Banks and credit unions tend to serve more established, lower-risk businesses.
Small Businesses Are Using AI, But Not to Replace Workers
Among firms already using AI, about 71% report increased productivity, while roughly 31% report higher sales. At the same time, most firms report little or no change in employment levels.
Why Many Small Businesses Don’t Receive the Full Funding They Request
Partial funding can still help a business move forward. But it may not fully support expansion plans, equipment purchases, or working capital needs.
Small Business Credit Readiness: Why Lenders Still Say No
Credit challenges rarely stand alone. High utilization, layered debt, uneven payment history, or limited collateral tend to build on each other.