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Small business confidence heading into 2026 remains resilient, with 94% of owners projecting growth despite persistent inflation and tight credit standards.

: Speed and flexibility are driving owners toward non-bank lenders. Approximately 74% of small businesses now prefer these solutions for working capital over traditional banks. small business financing

This report details the state of small business financing as of April 2026, focusing on available funding pathways, current interest rate trends, and the increasing role of technology in the lending landscape. 1. Market Overview and Key Trends focusing on available funding pathways