Technology

Technology companies represent one of the fastest-growing segments of the small business economy, yet according to the Federal Reserve Small Business Credit Survey 2023, only 43% of employer firms that applied for financing received the full amount they requested — a gap that leaves countless tech founders underfinanced at exactly the wrong moment. The U.S….

Technology infrastructure can make or break a small business — yet according to the Federal Reserve Small Business Credit Survey 2023, nearly 43% of small businesses that applied for financing were either denied or received less funding than requested, leaving critical equipment upgrades on hold. For technology-focused small business owners, staying current with servers, workstations,…

Software-as-a-Service businesses face a uniquely challenging cash flow paradox: according to the Federal Reserve Small Business Credit Survey 2023, 43% of employer firms reported experiencing financial challenges in the prior 12 months, with technology sector companies disproportionately affected by the gap between deferred revenue recognition and upfront operational costs. For SaaS founders specifically, working capital…

Nearly 43% of technology small business owners who applied for financing in 2023 were denied at least once, according to the Federal Reserve Small Business Credit Survey (SBCS) 2023 — yet the same survey found that those who applied through multiple lender types were significantly more likely to receive at least partial funding. If you…