KeyBank's 2025 Small Business Survey found that approximately one in four (23%) small business owners are in 'survival mode,' not focused on long-term planning, and 46% felt their performance fell short of expectations in 2025. This highlights significant challenges faced by this sector.
Despite these difficulties, 40% of small business owners are cautiously planning ahead, and 46% are confident they could cover one month of operating expenses in an emergency. This indicates resilience and a focus on building stronger financial foundations.
Inflation and rising costs were cited as the top concern by 50% of owners, with 25% increasing prices due to recent tariffs and rising expenses. KeyBank emphasizes its Certified Cash Flow Advisor Program to provide structured advice, helping businesses optimize operations and adapt to policy shifts.
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