Small Business Credit Quality Is Declining: What It Means for Borrowing Power
A Persistent Decline in Credit Quality For the 13th consecutive quarter, banks are reporting a decline in small business credit quality, according to the recently published Federal Reserve Bank of Kansas City’s Q2 2025 Small Business Lending Survey. While interest...
Small Business Financing Trends: When Optimism Meets Profit Pressure
In a recent post, we highlighted a paradox in the small business landscape: optimism was climbing, but investment lagged. The latest NFIB Small Business Economic Trends report (August 2025) shows the same pattern playing out in financing. Borrowing Is at Its Lowest in...
Digital Payment Adoption for Small Businesses: From Cash Decline to Digital Growth
For small businesses, how customers pay is just as important as what they buy. Customers Are Choosing Digital According to the Empowering Small Business 2025 report recently published by the US Chamber of Commerce, between one-third and two-fifths of small business...
The SMB Credit Catch-22: When Markets Don’t Optimize for Growth
Recent Federal Reserve data reveals a troubling inefficiency in small business financing that should concern every business leader. The numbers don’t just show disparities—they expose a fundamental market failure. The Math Doesn’t Add Up Here’s what...