New Report: Small Businesses Anticipate Strong Growth While Proactively Planning for AI Implementation and Tariffs
Enova International (NYSE: ENVA) and Ocrolus released their Small Business Cash Flow Trend Report, revealing strong optimism among small businesses. The survey found that 92% of small business owners expect growth in the next year, with 26% anticipating significant expansion.
Key findings show that 72% of small businesses prefer non-bank lenders for working capital needs. Inflation (32%) and cash flow (31%) remain top challenges, while 66% of AI-adopting businesses use it for marketing. Additionally, 57% of small businesses are preparing for potential tariff impacts.
The comprehensive report analyzed responses from 410 small businesses and over 2.9 million small business loan applications over the past 15 months.
Enova International (NYSE: ENVA) e Ocrolus hanno pubblicato il loro Small Business Cash Flow Trend Report, che evidenzia un forte ottimismo tra le piccole imprese. Il sondaggio rileva che il 92% dei proprietari di piccole imprese prevede crescita nel prossimo anno, con il 26% che si aspetta un’espansione significativa.
I risultati principali mostrano che il 72% delle piccole imprese preferisce finanziatori non bancari per il capitale circolante. Inflazione (32%) e flusso di cassa (31%) restano le sfide principali, mentre il 66% delle aziende che adottano l’IA la utilizza per il marketing. Inoltre, il 57% delle piccole imprese si sta preparando a possibili impatti tariffari.
Il report completo ha analizzato le risposte di 410 piccole imprese e oltre 2,9 milioni di domande di prestito per piccole imprese raccolte negli ultimi 15 mesi.
Enova International (NYSE: ENVA) y Ocrolus publicaron su Small Business Cash Flow Trend Report, que revela un fuerte optimismo entre las pequeñas empresas. La encuesta encontró que el 92% de los propietarios de pequeñas empresas esperan crecimiento en el próximo año, y el 26% anticipa una expansión significativa.
Los hallazgos clave muestran que el 72% de las pequeñas empresas prefieren prestamistas no bancarios para necesidades de capital de trabajo. La inflación (32%) y el flujo de caja (31%) siguen siendo los principales desafíos, mientras que el 66% de las empresas que adoptan IA la usan para marketing. Además, el 57% de las pequeñas empresas se está preparando para posibles impactos arancelarios.
El informe integral analizó las respuestas de 410 pequeñas empresas y más de 2,9 millones de solicitudes de préstamos para pequeñas empresas durante los últimos 15 meses.
Enova International (NYSE: ENVA)와 Ocrolus가 발표한 중소기업 현금흐름 동향 보고서는 중소기업들 사이에 강한 낙관론이 있음을 보여줍니다. 설문조사에 따르면 중소기업 소유주의 92%가 향후 1년간 성장할 것으로 예상하며, 26%는 큰 폭의 확장을 기대하고 있습니다.
핵심 결과는 중소기업의 72%가 운전자금 조달을 위해 은행이 아닌 대출기관을 선호한다는 점을 보여줍니다. 인플레이션(32%)과 현금흐름(31%)이 여전히 주요 과제로 남아 있으며, AI를 도입한 기업의 66%는 이를 마케팅에 활용하고 있습니다. 또한 57%의 중소기업이 잠재적인 관세 영향에 대비하고 있습니다.
종합 보고서는 지난 15개월간의 410개 중소기업 응답과 290만 건이 넘는 중소기업 대출 신청을 분석했습니다.
Enova International (NYSE: ENVA) et Ocrolus ont publié leur Small Business Cash Flow Trend Report, révélant un fort optimisme parmi les petites entreprises. L’enquête indique que 92 % des propriétaires de petites entreprises prévoient une croissance au cours de l’année à venir, 26 % anticipant une expansion significative.
Les principales conclusions montrent que 72 % des petites entreprises préfèrent les prêteurs non bancaires pour leurs besoins en fonds de roulement. L’inflation (32 %) et la trésorerie (31 %) restent les principaux défis, tandis que 66 % des entreprises adoptant l’IA l’utilisent pour le marketing. De plus, 57 % des petites entreprises se préparent à d’éventuels impacts liés aux tarifs douaniers.
Le rapport complet a analysé les réponses de 410 petites entreprises et plus de 2,9 millions de demandes de prêts pour petites entreprises au cours des 15 derniers mois.
Enova International (NYSE: ENVA) und Ocrolus haben ihren Small Business Cash Flow Trend Report veröffentlicht, der große Zuversicht unter kleinen Unternehmen aufzeigt. Die Umfrage ergab, dass 92% der Kleinunternehmer Wachstum im kommenden Jahr erwarten, wobei 26% eine deutliche Expansion prognostizieren.
Wesentliche Erkenntnisse zeigen, dass 72% der kleinen Unternehmen Nicht-Bank-Kreditgeber für ihren Betriebskapitalbedarf bevorzugen. Inflation (32%) und Cashflow (31%) bleiben die größten Herausforderungen, während 66% der KI-einsetzenden Unternehmen sie für Marketing nutzen. Zudem bereiten sich 57% der kleinen Unternehmen auf mögliche Zollfolgen vor.
Der umfassende Bericht analysierte die Antworten von 410 kleinen Unternehmen und mehr als 2,9 Millionen Anträgen auf Kleinkredite in den letzten 15 Monaten.
- 92% of small businesses expect moderate to significant growth over the next year
- Strong preference (72%) for non-bank lenders like OnDeck indicates market leadership potential
- 66% of small businesses are actively adopting AI for marketing purposes
- Survey based on extensive data from 2.9 million small business applications
- 32% of businesses still struggle with inflation as a top challenge
- 31% of surveyed businesses face cash flow difficulties
- Potential impact of tariffs creating uncertainty, with 57% of businesses preparing for effects
Insights
Enova's OnDeck survey reveals robust small business optimism with 92% expecting growth, highlighting strong potential for Enova's lending business.
The latest Small Business Cash Flow Trend Report from OnDeck and Ocrolus presents a remarkably positive outlook for Enova's small business lending segment. With
Particularly noteworthy is the finding that
The report identifies inflation (
Additionally, the data showing
Survey Finds
Key findings include:
- Growth expectations. An overwhelming
92% of small business owners are confidently anticipating moderate to significant growth over the next year, with26% expecting significant expansion. - Non-bank lender preference. Small businesses are increasingly leveraging the speed and ease of non-bank lenders for their working capital needs, with
72% choosing these solutions over traditional banks. - Top Challenges. Small business owners continue to see inflation (
32% ) and cash flow (31% ) as top challenges. - Marketing with AI. Among small businesses using AI,
66% apply it to marketing tasks. - Tariff Plans. A majority of small businesses (
57% ) are actively preparing for the potential impact of tariffs.
"The optimism and proactive planning reported by small business owners speak volumes about their determination and adaptability. OnDeck will continue to support small businesses with transparent and accessible financing as they continue to grow and navigate through daily challenges," said Jim Granat, Co-President of Small Business at Enova.
"Our data shows that businesses aren't just reacting—they're planning ahead and positioning themselves to succeed," said David Snitkof, General Manager of Small Business at Ocrolus. "By using real-time, AI-powered analytics, lenders can better support small businesses and help them thrive in today's dynamic market."
The report is based on responses from 410 small businesses with working capital loans and over 2.9 million small business applications for working capital financing during the past 15 months. The nationwide survey was completed between June 17 — 30, 2025. For more information and complete survey results, please visit: ondeck.com/small-business-trends.
About OnDeck®
OnDeck®, part of Enova International, is the proven leader in transparent and responsible online lending to small businesses. Founded in 2006, the company pioneered the use of data analytics and digital technology to make real-time lending decisions and deliver capital rapidly to small businesses online. Today, OnDeck offers a wide range of term loans and lines of credit customized for the needs of small business owners. OnDeck has provided loans to customers in 900 different industries nationwide. For more information, visit www.ondeck.com.
About Enova
Enova International (NYSE: ENVA) is a leading online financial services company that serves small businesses and consumers who are underserved by traditional banks. For over 20 years, Enova has provided over
About Ocrolus
Ocrolus is an AI-powered data and analytics platform that enables financial institutions to make faster, more accurate decisions. The company analyzes documents with over
View original content to download multimedia:https://www.prnewswire.com/news-releases/new-report-small-businesses-anticipate-strong-growth-while-proactively-planning-for-ai-implementation-and-tariffs-302538128.html
SOURCE Enova International, Inc.
FAQ
What percentage of small businesses expect growth according to Enova's 2025 report?
What are the main challenges facing small businesses in 2025 according to ENVA's survey?
How are small businesses using AI according to the Enova report?
What percentage of small businesses prefer non-bank lenders according to the ENVA study?
How many small business applications did Enova analyze for their 2025 trend report?
