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The Rise in Business Borrowing The Global Findex Database reports that in 2021, nearly 45% of small businesses relied on credit to finance operations , with many turning to banks, alternative lenders, and trade credit. Trade Credit : Suppliers extend longer payment terms , leading to higher outstanding receivables.
In 2025, small businesses are navigating an increasingly complex financial landscape marked by economic uncertainty, evolving trade policies, and fluctuating market conditions. Economic Uncertainty and Its Impact on Small Business Debt Economic uncertainty remains a significant concern for small business owners in 2025.
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