One in Four Small Business Owners Are in Survival Mode but Adapting, Reveals KeyBank Survey
KeyBank (NYSE: KEY) has released its 2025 Small Business Survey, revealing significant challenges facing small business owners. The survey found that 23% of small business owners are in survival mode, while 46% reported underperforming expectations in 2025. Despite these challenges, 40% are cautiously planning ahead.
Key findings show that 50% of owners cite inflation as their top concern, followed by competition (33%) and cash flow (25%). Additionally, 72% of owners are very concerned about upcoming federal legislation changes. The survey, which included 2,144 respondents across the United States, also revealed that 80% feel confident in making informed decisions despite economic uncertainty.
KeyBank (NYSE: KEY) ha pubblicato il suo 2025 Small Business Survey, rivelando notevoli sfide per i piccoli imprenditori. L'indagine ha rilevato che 23% dei piccoli imprenditori è in modalità sopravvivenza, mentre 46% hanno riferito di aver superato le aspettative nel 2025. Nonostante queste sfide, 40% stanno pianificando con cautela il futuro.
I principali risultati mostrano che 50% dei proprietari citano l'inflazione come principale preoccupazione, seguito da concorrenza (33%) e flusso di cassa (25%). Inoltre, 72% dei proprietari sono molto preoccupati per i futuri cambiamenti della legislazione federale. L'indagine, che comprendeva 2,144 rispondenti sparsi negli Stati Uniti, ha anche rivelato che l'80% si sente fiducioso nel prendere decisioni informate nonostante l'incertezza economica.
KeyBank (NYSE: KEY) ha publicado su Encuesta de Pequeñas Empresas 2025, revelando desafíos significativos para los propietarios de pequeñas empresas. La encuesta encontró que un 23% de los propietarios de pequeñas empresas están en modo de supervivencia, mientras que un 46% reportaron no cumplir las expectativas en 2025. A pesar de estos desafíos, un 40% planean con cautela el futuro.
Los hallazgos clave muestran que el 50% de los propietarios cita la inflación como su principal preocupación, seguido por la competencia (33%) y el flujo de caja (25%). Además, un 72% de los propietarios están muy preocupados por los próximos cambios en la legislación federal. La encuesta, que incluyó 2,144 encuestados en todo Estados Unidos, también reveló que el 80% se siente confiado para tomar decisiones informadas a pesar de la incertidumbre económica.
KeyBank(주식코드: KEY)가 2025년 소기업 설문조사를 발표했습니다. 이는 소기업 경영주들이 직면한 중대한 도전을 드러냅니다. 설문에 따르면 소기업 경영주의 23%가 생존 모드에 있으며, 46%가 2025년 기대치에 미치지 못했다고 보고했습니다. 이러한 도전에도 불구하고 40%는 미래를 신중히 계획하고 있습니다.
주요 결과로는 경영주의 50%가 인플레이션을 가장 큰 우려로 꼽았고, 그다음으로 경쟁(33%), 현금흐름(25%)이 따릅니다. 또한 72%의 경영자가 다가오는 연방 법제 변경에 대해 매우 우려하고 있습니다. 미국 전역에서 2,144명의 응답자를 포함한 이번 설문은 경제적 불확실성에도 불구하고 정보를 바탕으로 의사결정을 내리는 데 80%가 자신감을 느낀다고 밝혔습니다.
KeyBank (NYSE : KEY) a publié son Enquête sur les petites entreprises 2025, révélant des défis importants pour les propriétaires de petites entreprises. L'enquête a révélé que 23% des propriétaires de petites entreprises sont en mode survie, tandis que 46% ont indiqué ne pas atteindre les attentes en 2025. Malgré ces défis, 40% planifient prudemment l'avenir.
Les résultats principaux montrent que 50% des propriétaires citent l'inflation comme leur principale préoccupation, suivi par la concurrence (33%) et le flux de trésorerie (25%). De plus, 72% des propriétaires sont très préoccupés par les prochains changements de la législation fédérale. L'enquête, qui comptait 2 144 répondants à travers les États‑Unis, a également révélé que 80% se sentent confiants pour prendre des décisions éclairées malgré l'incertitude économique.
KeyBank (NYSE: KEY) hat seine Small-Business-Umfrage 2025 veröffentlicht und damit signifikante Herausforderungen für Kleinunternehmer offengelegt. Die Umfrage ergab, dass 23% der Kleinunternehmer sich im Überlebensmodus befinden, während 46% angaben, 2025 unter den Erwartungen geblieben zu sein. Trotz dieser Herausforderungen planen 40% vorsichtig voraus.
Zentrale Ergebnisse zeigen, dass 50% der Eigentümer Inflation als ihre größte Sorge nennen, gefolgt von Konkurrenz (33%) und Cashflow (25%). Zudem machen sich 72% der Eigentümer große Sorgen über kommende Änderungen der bundesstaatlichen Gesetzgebung. Die Umfrage, an der 2.144 Befragte in den Vereinigten Staaten teilnahmen, ergab zudem, dass 80% das Vertrauen haben, trotz wirtschaftlicher Unsicherheit fundierte Entscheidungen zu treffen.
أصدرت KeyBank (الرمز في بورصة نيويورك KEY) استطلاع الأعمال الصغيرة لعام 2025، مُظهرةً تحديات كبيرة يواجهها مالكو الأعمال الصغيرة. أظهر الاستطلاع أن 23% من مالكي الأعمال الصغيرة في وضع البقاء على قيد الحياة، بينما 46% أبلغوا بأنهم لم يلبوا التوقعات في 2025. رغم هذه التحديات، 40% يخطّطون بحذر للمستقبل.
وتبيّن النتائج الرئيسية أن 50% من المالكين يعتبرون التضخم همّهم الأكبر، يليه المنافسة (33%) وتدفق النقد (25%). بالإضافة إلى ذلك، فإن 72% من المالكين قلقون جداً بشأن التغيّرات التنظيمية الفيدرالية المقبلة. وأظهرت الاستطلاعات التي شملت 2,144 مشاركاً في جميع أنحاء الولايات المتحدة أيضاً أن 80% يشعرون بالثقة في اتخاذ قرارات مطلَّعة رغم عدم اليقين الاقتصادي.
KeyBank（NYSE: KEY）发布了2025年小企业调查，揭示了小企业主面临的显著挑战。调查发现，23%的小企业主处于生存模式，46%的人表示2025年的期望未达到。尽管如此，40%的人仍在谨慎地为未来做计划。
主要发现显示，50%的业主将通胀视为他们的首要关注，其次是竞争（33%）和现金流（25%）。此外，72%的业主对即将到来的联邦立法变化感到非常担忧。此次覆盖美国范围内的2,144 名受访者，调查还显示，尽管经济不确定性，80%的人对在不确定的经济环境中做出明智决策感到有信心。
- None.
- 23% of small business owners are stuck in survival mode
- 46% of small business owners underperformed expectations in 2025
- 50% cite inflation and rising costs as their primary concern
- 72% are very concerned about impact of upcoming federal legislation changes
Small business owners are focused on building stronger financial foundations while managing rising costs and policy shifts
Still,
Even with an extra cushion of expenses saved, half (
With federal legislation changes likely coming in the last few months of 2025,
"Navigating the current economic environment has proven to be no small feat for small business owners," says Mike Walters, President of Business Banking at KeyBank. "It's reassuring to see small business owners' passion and perseverance, despite the challenges that have come their way. Their ability to adapt—whether through tightening expenses, finding new ways to serve customers, or preparing for regulatory shifts—shows the grit and creativity at the heart of the small business community. It's that determination that allows them to build the foundation needed for long-term growth."
How Small Business Owners are Preparing for What's Ahead
Looking ahead to 2026, business owners are prioritizing the strategies, resources, and self-care that will help shape their resilience.
- Seeking professional advice:
21% of small business owners agree they'd feel more secure by having regular conversations with their business bankers, with many looking for guidance on cash flow (33% ), financial planning (33% ), and tax strategy (31% ). - Maintaining personal resilience:
30% of small business owners say they feel more resilient with a good night's sleep–ensuring they balance daily self-care needs with long-term business planning.
"Small business owners are proving that resilience is more than just surviving challenges; it's about planning ahead, leaning on trusted advisors, and making sure they have the clarity and confidence to move forward," said Walters.
Through KeyBank's Certified Cash Flow Advisor Program, business owners can receive structured, yet flexible advice on how to tackle critical cash flow and financial challenges to better optimize operations. For more information on how KeyBank can help your business, visit: KeyBank Small Business.
Methodology
This survey was conducted online with Survey Monkey, including 2,144 respondents, ages 18-99, from across
ABOUT KEYCORP
In 2025, KeyCorp celebrates its bicentennial, marking 200 years of service to clients and communities from
Key provides deposit, lending, cash management, and investment services to individuals and businesses in 15 states under the name KeyBank National Association through a network of approximately 1,000 branches and approximately 1,200 ATMs. Key also provides a broad range of sophisticated corporate and investment banking products, such as merger and acquisition advice, public and private debt and equity, syndications and derivatives to middle market companies in selected industries throughout
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SOURCE KeyBank
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