Report

See what 8,000 small business owners are actually dealing with and what the ones who figured it out did differently

We surveyed 8,000+ small business owners about how they're really running their finances — the back office stuff that doesn't come up in the highlight reel. What we found was pretty consistent: most owners are capable, resourceful, and quietly dealing with the same handful of gaps. This report breaks down what those gaps are, what they're actually costing, and what the owners who've gotten past them did to fix it.

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Inside, we break down the four back-office gaps most small business owners are quietly dealing with — and what it takes to close them.

Fast facts:

  • 67% of small businesses have less than three months of cash runway
  • 88% were hit by an unexpected cash flow issue last year
  • 55% are still managing their finances entirely by hand
  • 95% feel confident managing cash flow — but only 43% have reserves to handle a disruption
  • 28% of owners pay themselves nothing — not because the business can't support it, but because they can't see clearly enough to know
  • 44% of small business owners are running the whole operation solo

Inside, we break down the four back-office gaps most small business owners are quietly dealing with — and what it takes to close them.

Fast facts:

  • 67% of small businesses have less than three months of cash runway
  • 88% were hit by an unexpected cash flow issue last year
  • 55% are still managing their finances entirely by hand
  • 95% feel confident managing cash flow — but only 43% have reserves to handle a disruption
  • 28% of owners pay themselves nothing — not because the business can't support it, but because they can't see clearly enough to know
  • 44% of small business owners are running the whole operation solo

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