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...
Federal Contracting Reforms Claimed to Ease Small Business Access
Many small business leaders view government contracting as a means to diversify their revenue streams. In September 2025, the White House and the Small Business Administration (SBA) claimed that reforms to federal contracting rules would reduce barriers for small...
SBA Refines Loan Options for Manufacturers with FY 2026 Fee Waiver
The Small Business Administration (SBA) has introduced the Manufacturing Loan Program (MLP), a dedicated track within its existing loan system. Rather than creating a new product, the program brings together two long-standing SBA tools, the 7(a) loan and the 504 loan,...
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...