In September 2021, MCP shared an Inc. article about small-business credit access and emerging financing models, including decentralized finance. Businesses were still dealing with lost sales and mounting debt.
What the survey showed
The Federal Reserve's 2021 Report on Employer Firms found that 88% of respondents had not returned to their pre-pandemic sales levels. The survey covered businesses with 1 to 499 employees that were still operating when surveyed in 2020.
Those results describe that period and group of respondents. They do not measure today's credit market.
Size the funding gap
For an individual business, start with the bills due, cash available, and expected customer payments. That shows the amount and timing of a potential gap. Compare financing costs and repayment commitments against those records before choosing an option.
