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Cash Reserves and Interest Rate Trends

Small Business Survey Results

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WHAT's INside

Live Oak Bank’s quarterly research highlights small business cash reserve trends and the impact of interest rates on small businesses.

  • 25% of small businesses have increased their cash reserves over the last 12 months
  • 56% of small businesses plan to retain cash reserves over the next 12 months
  • Yet, a quarter will need a cash infusion within 12 months to remain operational
Each quarter, Live Oak will share real-time metrics based on a relevant and timely topic. Barlow Research, a data-driven research firm, is leading the survey efforts on behalf of Live Oak Bank.