The report is based on responses from 468 small businesses with working capital loans and over 3.45 million small business applications for working capital financing during the past 15 months. The nationwide survey was completed between December 15–23, 2025. For more information and complete survey results, please visit: ondeck.com/small-business-trends. 94% of small businesses anticipate growth over the next year as owners invest in efficiency and plan ahead amid evolving market conditions CHICAGO, Jan. 28 ...