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Cash, Credit, and the Bookkeeping Gap: What We're Learning About Small Firms' Financial Lives
About a third of the small firms in our study have three months of expenses in the bank. About one in ten could last only a week. Most have access to credit, and when they ask for more, they usually get it. Yet two-thirds say they'll rely mainly on savings, not credit, to fund their next investment. Why? And why can the same set of bookkeeping records lead one lender to offer a loan and another to turn it down? Earlier this month, the Financial Access Initiative presented pre
Tracy Cole
7 days ago
Early Findings from the Road: What we’re seeing so far in the SFD USA data
Over the past few weeks, the Small Firm Diaries research team has been visiting US cities to share what we're seeing in the data so far—stopping in St. Louis, Chicago, Baltimore, Atlanta, and New York, with Oakland still ahead on May 26. These conversations have been useful in both directions: hearing where our findings on growth, credit use, and jobs resonate with local audiences, and hearing the questions and pushback that have helped us sharpen our thinking.
Laura Freschi
Apr 16
Join us for Small Firm Diaries USA early findings events in 6 US cities
We're pleased to announce six upcoming early findings events, where we'll share an inside look into initial findings from the Small Firm Diaries USA study, and invite discussion about implications for policy, practice, and efforts to better support small firms and workers in the United States.
Laura Freschi
Feb 4
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