We’ve launched Charge Cards! Give your customers access to the capital they need to grow their business. Learn more.
The State of Business Finances

Traditional banks aren't working for America's small businesses. In this report, small-business owners share their experiences of the current economic environment and describe how they’d prefer to manage their money.

Thank you!

We're processing your request.

Oops! Something went wrong while submitting the form.
By the numbers


of small-business owners find at least one element of their current business banking solution to be unsatisfactory


of small-business owners would be open to getting financial services from providers other than traditional banks


of small-business owners believe they should be able to get a business loan as quickly as they can order something online

About the report

Welcome to The State of Business Finances, a research series that will provide insights into the ways America’s small businesses manage their money.

Over the last twenty years, the way small businesses serve their customers has evolved considerably—but the way they manage their money is stuck in the 90s.

Most still use traditional banks, and thousands more manage their business finances through personal bank accounts. Unsurprisingly, this outdated and inadequate toolset is not meeting their needs.

In this series, we’ll talk to business owners about the challenges they face. We’ll explore their willingness to try new solutions. Finally, we’ll identify new technologies that have the potential to make their lives better and offer insights about the road ahead.

Live webinar

The future of banking for small businesses

Tuesday, November 15th | 1:00 pm ET

Learn more about our recent study and discover how innovative software companies are solving the pain points of their small-business customers.

Register now
From the report


“As a result of the current economic environment, I need faster access to funds in my bank account.”


“I would rather wait in line at the DMV than apply for a loan from a traditional bank.”


“The current economic environment creates new opportunities for my business.”

This survey was conducted online within the United States by The Harris Poll on behalf of Unit from July 26-August 8, 2022, among 500 small-business owners ages 18 and older.

For the purposes of this survey, small businesses are defined as those with annual revenues between $25,000 and $20,000,000.

The results were analyzed by age, gender, region, ethnicity, income, assets, business tenure, annual revenue, employee headcount, and industry.

This online survey is not based on a probability sample and therefore no estimate of theoretical sampling error can be calculated.

Bring financial features to life and start building — today

Thank you!

We have received your request and will process it as soon as possible.

Oops! Something went wrong while submitting the form.