Small Businesses Show Resilience and Growth Potential Entering 2026 Amid Economic Challenges

Resilient Outlook for Small Businesses in 2026

As the new year dawns, small businesses across the country are entering 2026 with a strong sense of optimism and growth potential. A recent report published by OnDeck, a leader in small business lending, reveals significant insights into the mindset of small business owners as they navigate through economic challenges. This report, conducted in collaboration with Ocrolus, an AI workflow platform, paints a promising picture as 94% of respondents anticipate growth in their businesses throughout 2026, a number matching an all-time high recorded in previous surveys.

Confidence Amidst Challenges

The findings highlight that small business owners are acutely aware of the prevailing challenges they face. Inflation continues to be a primary concern, with 31% identifying it as a significant issue, while 29% are worried about cash flow management. Despite these hurdles, the resilience shown by small business owners speaks volumes about their determination and confidence levels heading into the new year.

A Shift Towards Non-Bank Lending

An interesting trend emerging from the report is the growing preference for non-bank lenders among small business owners. A striking 74% of respondents have opted for these alternative funding sources, leveraging their speed and accessibility to meet working capital needs. This shift indicates a significant change in the financing landscape, as business owners actively seek flexible and efficient options to secure the necessary funds for their operations.

Embracing AI for Growth

The report also underscores the increasing use of artificial intelligence (AI) within small businesses, with 56% of owners reporting its implementation in various facets of their operations. Notably, marketing remains the most prominent area for AI adoption, with 63% of AI users leveraging technology to enhance their marketing strategies. The positive impact of AI on overall business operations is echoed by 87% of these users, reflecting a favorable acceptance of technology in driving growth and efficiency.

Strategic Planning for 2026

As small business owners strategize for the year ahead, they cite key factors influencing their planning. Foremost among these are consumer spending trends (38%) and access to credit (37%). These insights reveal a proactive approach taken by business owners, who are utilizing real-time data and analytics to inform their decisions and adapt their strategies in an ever-changing marketplace.

Leadership Insights

Cory Kampfer, Co-President of Small Business at Enova, comments, “Small business owners are entering 2026 with confidence and clarity. They're investing in AI and maintaining disciplined cash flow strategies while using a wider range of financing options to support sustainable growth.” David Snitkof, General Manager of Small Business at Ocrolus, adds, “The data shows that small businesses are taking a proactive approach to growth. With access to real-time, AI-driven cash flow insights, lenders can move faster, and business owners can make informed decisions that support success in the new year and long-term.”

Conclusion

The findings from OnDeck’s Small Business Cash Flow Trend Report underscore the resilience and adaptability of small businesses as they enter 2026. Despite the prevailing challenges like inflation and cash flow issues, the emphasis on alternative financing options and AI adoption reflects a forward-thinking mindset. As these businesses continue to evolve, their commitment to growth and efficiency positions them as crucial components of the economy moving forward.

For more information on the report and its insights, please visit ondeck.com/small-business-trends.