Biz2Credit Small Business Earnings Report™
About the Report
Biz2Credit Small Business Earnings Report examines the financial performance of businesses that applied for credit from Biz2Credit.
The study looks at the performance of small to mid-sized firms -- from early stage to established companies in the U.S. that applied for credit. It's intended to provide a snapshot of the financial health of businesses nationwide across a wide range of industries.
Key Findings
February 2025 were $37,100
(up by $1,500 from January).
were $627,900.
average revenues are down by $59,400
($627,900- $687,300).
average expenses are down by $60,900
($590,800 - $651,700).
average earnings are down by $27,700
($37,100 - $64,800).
compared to last month at 3.0%.
2024 Review
Takeaways
Small businesses are experiencing a myriad of predicaments in the initial months of 2025. A new administration and potential impacts of tariffs has caused uncertainty to swell and optimism is reigned in.
Revenues and expenses receded in February, with earnings up slightly. This is a testament to price-sensitive consumers as total consumer spending saw its first pullback in nearly two years.
Small businesses should keep a close eye on the Federal Reserve as investors see a higher likelihood for interest rate cuts in the coming months, making small business funding options less expensive.
Methodology
Biz2Credit pulled over 100,000 complete financing applications submitted between February 2022 and February 2025. This report examines a number of variables including annual revenue, operating expenses, age of business, credit score, approval rate, and funding rate.
Term Loans are made by Itria Ventures LLC or Cross River Bank, Member FDIC. This is not a deposit product. California residents: Itria Ventures LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law License # 60DBO-35839