Small Businesses Remain Optimistic About Growth and Increase AI Adoption
According to the latest Small Business Cash Flow Trend Report from OnDeck and Ocrolus, small business optimism remained strong in Q2 2026 with 93% of owners expecting moderate to significant growth over the next year. Inflation has become the top concern for these businesses at 34%, followed by cash flow issues at 30%. The report also highlights a continued shift away from traditional banks, as 75% of small businesses bypass them in favor of non-bank lenders. AI adoption among small businesses increased to 61% in Q2 2026, up slightly from the previous quarter. Of those using AI tools, 91% reported a positive impact on their operations, indicating that artificial intelligence is becoming an integral part of daily business functions rather than just a novelty. The report draws data from over 3.76 million small business loan applications and survey responses from 805 businesses between June 16–24, 2026.
Topics: AI adoption cash flow trends non-bank financing small business lending