Small Business Cash Flow Trend Report
Q3 2025 Key Findings
Growth Expectations. Small businesses remain confident, with 93% expecting growth in the next year and 31% projecting significant growth — the highest since Q1 2024.
Access to Working Capital. Seventy-five percent (75%) of small businesses surveyed are bypassing traditional banks in favor of non-bank or fintech lenders, a continuing and steady trend with companies preferring the quicker lending decisions and simpler process offered by fintechs.
Top Challenges. Cash flow and inflation remain the top concerns for small business owners, reported by 30% of respondents in Q3.
AI Adoption. A majority of business owners (52%) report that they have incorporated AI into their operations.
Navigating Tariffs. Most small business owners (65%) remain unsure about tariff impacts, saying other factors — such as seasonal demand (40%) and credit access (38%) — will shape their business strategy more than tariffs (18%) for the rest of the year.