This month’s SCORE infographic examines the financial strains of small business owners and how it's affecting their outlook.

overall optimism scoreWhile optimism has been steadily growing since 2012, it dipped in the second quarter of 2015. Lower revenues and tighter credit in 2015 are discouraging small business owners.

Small businesses with less than $5 million in revenue have a loan approval rate of less than 50%.

Therefore, owners had to use their own money. Owners of small businesses with under $5 million in revenue used 36% of their personal assets, while owners of companies with 5 to 10 million dollars in revenue only used 16% of their own money.


When small business owners were asked what they’d do with $100,000:

  • 30% would market or promote their business
  • 29% would pay bills or loans
  • 22% would invest in equipment
  • 17% would purchase inventory
  • 11% would offer a new product or service
  • 9% would remodel or expand their current location
  • 8% would hire a fulltime employee

Download this month’s infographic for more details. To create a financial plan for your small business, connect with a SCORE mentor.

About the Author(s)

Bridget Weston Pollack

Bridget Weston Pollack is the Vice President of Marketing & Communications at the SCORE Association.

Vice President of Marketing & Communications, SCORE
It's Not Easy for Entrepreneurs - How Funding Challenges Affect Outlook