93% of Small Businesses Expect to Grow This Year. Here's What Separates the Ones That Actually Will.
Confidence is at an all-time high. But confidence doesn't pay the bills—strategy does.
Here are five moves growth-minded business owners are making right now.
By the Numbers
- 93% of small businesses expect growth in 2026.
- 76% are bypassing traditional banks for capital.
- 57% say lack of time is their #1 barrier to scaling.
1. Stop Treating Cash Flow as a Safety Net—Use It as a Weapon
Cash flow has overtaken inflation as the biggest challenge for small business owners in 2026.
The businesses pulling ahead aren't simply holding cash—they're using it strategically to:
- Take advantage of inventory discounts
- Secure larger contracts
- Upgrade equipment before competitors
A good goal is to maintain 2–3 months of operating expenses in reserve while putting the rest of your capital to work.
2. Get Your Financial Records Organized Before You Need Them
More than half of business owners say administrative work is slowing their growth.
When funding opportunities arise, having organized financials can make all the difference.
Keep these updated:
- Profit & Loss Statements
- Business Bank Statements
- Tax Returns
The businesses that get funded fastest are usually the ones that already have their paperwork ready.
3. Actually Use AI—Even If You're a Team of Five
AI isn't just for large companies anymore.
- 58% of small businesses are already using AI.
- 89% report a positive impact.
Simple tools like:
- Customer service chatbots
- Automated email follow-ups
- Scheduling software
can save hours every week while improving the customer experience.
4. Don't Wait for Banks to Catch Up With Your Ambition
Over 76% of small businesses are choosing non-bank lenders for working capital.
Traditional banks continue to tighten requirements and move slowly.
If you've been declined or stuck waiting for financing, there are faster, more flexible funding options available.
5. Invest in Your People Before You Lose Them
44% of business owners plan to hire in 2026.
Hiring is important—but retaining great employees matters even more.
Today's workforce values:
- Growth opportunities
- Flexibility
- Meaningful work
- Strong company culture
Culture isn't a perk—it's a competitive advantage.
A Final Thought
"73% of small business owners feel more confident today than when they launched, yet over half say their revenue has stayed flat. The gap between confidence and growth is almost always capital and bandwidth."
Ready to Close That Gap?
At Lexington Capital Holdings, we help business owners across the country access fast, flexible funding so their growth isn't limited by capital.
Whether you're looking for:
- Working Capital
- SBA Loans
- Equipment Financing
- Business Lines of Credit
our team is here to help you explore the right solution for your business.
