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鈥檈spansione 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鈥橧A 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 peque帽as empresas. La encuesta encontr贸 que el 92% de los propietarios de peque帽as empresas esperan crecimiento en el pr贸ximo a帽o, y el 26% anticipa una expansi贸n significativa.
Los hallazgos clave muestran que el 72% de las peque帽as empresas prefieren prestamistas no bancarios para necesidades de capital de trabajo. La inflaci贸n (32%) y el flujo de caja (31%) siguen siendo los principales desaf铆os, mientras que el 66% de las empresas que adoptan IA la usan para marketing. Adem谩s, el 57% de las peque帽as empresas se est谩 preparando para posibles impactos arancelarios.
El informe integral analiz贸 las respuestas de 410 peque帽as empresas y m谩s de 2,9 millones de solicitudes de pr茅stamos para peque帽as empresas durante los 煤ltimos 15 meses.
Enova International (NYSE: ENVA)鞕� Ocrolus臧� 氚滍憸頃� 欷戩唽旮办梾 順勱笀頋愲 霃欗枼 氤搓碃靹滊姅 欷戩唽旮办梾霌� 靷澊鞐� 臧曧暅 雮欔磤搿犾澊 鞛堨潓鞚� 氤挫棳欷嶋媹雼�. 靹る臁办偓鞐� 霐半ゴ氅� 欷戩唽旮办梾 靻岇湢欤检潣 92%臧� 頄ロ泟 1雲勱皠 靹膘灔頃� 瓴冹溂搿� 鞓堨儊頃橂┌, 26%電� 韥� 韽潣 頇曥灔鞚� 旮半寑頃橁碃 鞛堨姷雼堧嫟.
頃奠嫭 瓴瓣臣電� 欷戩唽旮办梾鞚� 72%臧� 鞖挫爠鞛愱笀 臁半嫭鞚� 鞙勴暣 鞚�頄夓澊 鞎勲媽 雽�於滉赴甏�鞚� 靹犿樃頃滊嫟電� 鞝愳潉 氤挫棳欷嶋媹雼�. 鞚疙攲霠堨澊靺�(32%)瓿� 順勱笀頋愲(31%)鞚� 鞐爠頌� 欤检殧 瓿检牅搿� 雮晞 鞛堨溂氅�, AI毳� 霃勳瀰頃� 旮办梾鞚� 66%電� 鞚措ゼ 毵堨紑韺呾棎 頇滌毄頃橁碃 鞛堨姷雼堧嫟. 霕愴暅 57%鞚� 欷戩唽旮办梾鞚� 鞛犾灛鞝侅澑 甏�靹� 鞓來枼鞐� 雽�牍勴晿瓿� 鞛堨姷雼堧嫟.
膦呿暕 氤搓碃靹滊姅 歆�雮� 15臧滌洈臧勳潣 410臧� 欷戩唽旮办梾 鞚戨嫷瓿� 290毵� 瓯挫澊 雱橂姅 欷戩唽旮办梾 雽�於� 鞁犾箔鞚� 攵勳劃頄堨姷雼堧嫟.
Enova International (NYSE: ENVA) et Ocrolus ont publi茅 leur Small Business Cash Flow Trend Report, r茅v茅lant un fort optimisme parmi les petites entreprises. L鈥檈nqu锚te indique que 92 % des propri茅taires de petites entreprises pr茅voient une croissance au cours de l鈥檃nn茅e 脿 venir, 26 % anticipant une expansion significative.
Les principales conclusions montrent que 72 % des petites entreprises pr茅f猫rent les pr锚teurs non bancaires pour leurs besoins en fonds de roulement. L鈥檌nflation (32 %) et la tr茅sorerie (31 %) restent les principaux d茅fis, tandis que 66 % des entreprises adoptant l鈥橧A l鈥檜tilisent pour le marketing. De plus, 57 % des petites entreprises se pr茅parent 脿 d鈥櫭﹙entuels impacts li茅s aux tarifs douaniers.
Le rapport complet a analys茅 les r茅ponses de 410 petites entreprises et plus de 2,9 millions de demandes de pr锚ts pour petites entreprises au cours des 15 derniers mois.
Enova International (NYSE: ENVA) und Ocrolus haben ihren Small Business Cash Flow Trend Report ver枚ffentlicht, der gro脽e 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 f眉r ihren Betriebskapitalbedarf bevorzugen. Inflation (32%) und Cashflow (31%) bleiben die gr枚脽ten Herausforderungen, w盲hrend 66% der KI-einsetzenden Unternehmen sie f眉r Marketing nutzen. Zudem bereiten sich 57% der kleinen Unternehmen auf m枚gliche Zollfolgen vor.
Der umfassende Bericht analysierte die Antworten von 410 kleinen Unternehmen und mehr als 2,9 Millionen Antr盲gen 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鈥攖hey'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 鈥� 30, 2025. For more information and complete survey results, please visit: ondeck.com/small-business-trends.
About OnDeck庐
OnDeck庐, 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:
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?
