Key Insights from the Q2 2025 Cash Flow Index Report from OnDeck and Ocrolus

According to the newly released Q2 2025 Small Business Cash Flow Trend Report conducted by Enova’s OnDeck and Ocrolus, small businesses continue to prioritize non-bank lenders to access capital over traditional funding sources – 72% of small business owners reported bypassing bank loans in favor of alternative lenders. Optimism remains strong, with 92% of small business owners anticipating moderate or significant growth over the next year, even as inflation (32%) and cash flow (31%) remain their top challenges.

The report is based on responses from 410 small businesses with working capital loans and over 2.9 million small business applications for working capital financing. The findings provide deeper insights into the health of small businesses and what it takes to thrive in today’s economy. Read more:  https://www.ondeck.com/small-business-trends.