Key Insights from the Q4 Cash Flow Index Report from OnDeck and Ocrolus

According to the newly released the Q4 Small Business Cash Flow Trend Report conducted by Enova’s OnDeck and Ocrolus, small businesses continue to prioritize non-bank lenders to access capital over traditional funding sources – 76% of small business owners reported bypassing bank loans in favor of alternative lenders. The vast majority of small business owners continue to feel optimistic, 94% of small businesses anticipate significant or moderate growth in 2025, a 2% increase compared to Q3 2024.

The report is based on responses from 454 small businesses with working capital loans and over 2 million small business applications for working capital financing. The findings provide deeper insights into the health of small businesses and what it takes to thrive in today’s economy. Read more:  https://www.ondeck.com/small-business-trends.