A 2026 report from the Federal Reserve found that 86% of small businesses with employees use financing—loans and credit cards—on a regular basis. Of those seeking financing, 42% of applicants received the full amount requested, 36% received some, and 22% received none. Securing the loan: 59% used a personal guarantee to secure their debt, while 51% used business assets. But nearly one third (31%) had no outstanding debt. #IdeaoftheDay


