Report: 93% of small businesses expect growth in 2026 as AI use and nonbank financing expand

Ninety-three percent of small businesses expect to grow in 2026, according to a new report that also points to rising AI adoption and a shift away from traditional banks as owners seek more flexible financing. The findings come from the latest Small Business Cash Flow Trend Report by OnDeck, a small business lender, and Ocrolus, an AI workflow and cash flow analytics platform for lenders.

Released May 1, 2026, the report says small businesses are maintaining strong momentum this year, with sustained confidence in expansion plans and continued reliance on alternative funding sources. "Small businesses aren't slowing down — they're planning ahead, investing in growth and finding new ways to operate more efficiently.

At OnDeck, we're focused on helping them access the capital they need to keep that momentum going," said Cory Kampfer, Co-President of Small Business Lending at Enova. David Snitkof, General Manager of Small Business at Ocrolus, said owners are demonstrating adaptability in 2026.

"Whether it's adjusting pricing, exploring new suppliers, or leveraging AI, owners are making deliberate choices supported by better data and clearer visibility into their financial performance," he said. The report is based on responses from 651 small businesses with working capital loans and on more than 3.69 million small business applications for working capital financing during the past 15 months.

The nationwide survey was completed between March 4–10, 2026. The authors say the combination of robust growth expectations, expanding AI use and shifting financing preferences underscores how small firms are retooling operations and cash-flow management. They add that better data and faster access to capital are shaping how owners plan and fund the next phase of expansion.