Visa Small Business Spend Insights Q3 - 2012

Visa® Small Business Spend Insights monitors the economic confidence of U.S. small business owners by analyzing Visa Business card spend data and responses to a quarterly survey. Small businesses and those serving them can benefit from the trends and insights obtained from Visa’s proprietary research.

Small Business Owner Team

Small business owners maintain cautious optimism

Despite growing confidence that they will see increases in revenue and profits, economic concerns continue to fluctuate among business owners with recovery from recession topping the list.

Business owners anticipate they will invest in their businesses

Small businesses plan to increase spend and activity in advertising and marketing. Plus, they expect to increase levels of capital investment and inventory to support anticipated growth.

Small businesses seek financing to support their growth plans

Optimism about growth for their businesses is tempered by the reality of increasing energy costs and tighter banking restrictions.

Rising costs and attracting new customers top individual concerns

Cost of health insurance, attracting new customers and rising taxes weigh heavily on more than 50 percent of small business owners surveyed.