New Report: Small Businesses Enter 2026 with Sustained Confidence, Expanding Access to Capital and Growing Use of AI

A recent report by OnDeck and Ocrolus reveals that small businesses are entering 2026 with a robust sense of confidence, capital access, and increasing adoption of artificial intelligence (AI). Notably, 94% of small business owners anticipate growth in the new year, a record high in survey history. Despite this optimism, businesses face ongoing challenges, primarily from inflation (31%) and cash flow (29%).

One key finding indicates a shift in financing preferences, as 74% of small businesses are opting for non-bank lenders like OnDeck due to their speed and efficiency compared to traditional banks. This transition underscores a growing trend among owners to prioritize access to capital in adaptive ways. Moreover, AI utilization is on the rise; 56% of businesses are leveraging AI technologies, predominantly for marketing purposes (63%). Companies employing AI report significant advantages, with 87% indicating positive impacts on operations.

Planning for 2026, small businesses rank consumer spending (38%) and credit availability (37%) as critical factors shaping their strategic decisions. Experts like Cory Kampfer from Enova affirm that the proactive approach of entrepreneurs, underscored by disciplined cash flow management and AI adoption, sets a foundation for sustainable growth.

The report draws insights from 468 small businesses and encompasses over 3.45 million loan applications in the past 15 months. Conducted between December 15–23, 2025, the data points to an evolving landscape where real-time analytics and alternative financing avenues are empowering small business owners to navigate dynamic market conditions effectively. For complete survey results, visit OnDeck’s website.

The recent "Small Business Cash Flow Trend Report" highlights a promising outlook for small businesses as they head into 2026, with 94% of owners anticipating growth amidst evolving market conditions. This positive sentiment stems from strategic investments, particularly in technology and non-bank lending solutions, which are critical for sustaining operations and fostering expansion.

Key takeaways from the report indicate that while inflation and cash flow challenges remain significant concerns for 31% and 29% of small business owners respectively, the usage of AI in marketing has surged to 63%. This growing reliance on artificial intelligence underscores the importance of efficiency and data-driven decision-making, which can help small businesses optimize their operations and enhance customer engagement.

The trend of utilizing non-bank lenders, as evidenced by 74% of small businesses opting for these financing options over traditional banks, indicates a shift in funding preferences. This presents an opportunity for investors to channel resources into fintech and alternative lending platforms poised for growth as they cater to the mounting demand for rapid and flexible financing solutions.

As small businesses increasingly align their strategies with consumer spending trends and access to credit, it is crucial for stakeholders to remain vigilant and proactive. Investors should consider companies that provide AI-driven financial services, as they stand to benefit not only from increased customer adoption but also from the ongoing necessity for innovation in cash flow management.

Overall, the market appears favorable for small businesses in 2026, but vigilance around inflationary pressures and cash flow management will be essential. Thus, those looking to invest should focus on sectors that align with small business needs, particularly in technology and alternative finance, to capitalize on this positivity in the small business ecosystem.