Q1 2023: Using Finance to Ease Recession Fears

Only 26% of Main Street Businesses Have Access to 60 Days of Cash Main Street businesses are operating on the edge: Just 26% have access to at least 60 days’ worth of cash and 17% have no access to emergency funds at all. PYMNTS’ latest study of 509 SMBs, “Main Street Health Q1 2023: Using Finance to Ease Recession Fears,” a collaboration with Enigma, details Main Street’s financial health and how financing can help.
Inside the April Report
  • 31%: Portion of Main Street SMB owners who would use their personal credit cards to manage a cash flow shortfall
  • 23%: Share of Main Street SMBs citing economic uncertain as their most pressing challenge
  • 40%: Portion of Main Street SMBs with annual revenues between $1M and $10M without readily available financing

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    Enigma Main Street Health Report Series

    Q4 2023: eCommerce Protects Main Street SMBs’ Bottom Line in a Cooling Market
    Q3 2023: Leading Payment Processors Satisfy SMBs, but Less Popular Providers Are Vulnerable
    Q2 2023: Credit’s Key Role in SMBs’ Plans