Small Business Credit Survey (SBCS)
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Why community conversations matter in monetary policy
Beth M. Hammack, president and chief executive officer of the Federal Reserve Bank of Cleveland, reflects on her first year as a Fed president and how listening to community stakeholders plays a significant role in the decisions and actions the Fed takes to promote a healthy economy.
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The Quarterly Catch-up, Q3 2025
Check out the latest community development-related research, analyses, and articles from all 12 Federal Reserve Banks and the Board of Governors. This post captures content published between July 1 and September 30, 2025, on topics affecting communities.
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Small-business owners: Contribute to enhancing our understanding of small businesses
Small-business owners help inform policy conversations and decision-making. Take the Federal Reserve Small Business Credit Survey.
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Small Business Credit Survey
Fed Small Business features small business research and analysis by the 12 Reserve Banks of the Federal Reserve System, including the national Small Business Credit Survey (SBCS) and related data, reports, and partner opportunities.
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Small business owners are using AI in some surprising ways. Here’s why the Fed is interested
Many small businesses are using, or considering using, artificial intelligence (AI), according to responses to the Fed’s Small Business Credit Survey collected in 2024. A Fed analyst shares which survey results surprised her, and small-business owners share their experiences using AI.
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Fed’s survey findings woven into the fabric of women-owned businesses
SBCS Firms in Focus data shed light on the unique challenges women-owned businesses face. Here’s what downtown Cleveland, Ohio boutique owners Emily and Elaina Kovach say about their experience.
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Where small businesses bank and why: Insights from the Small Business Credit Survey
Strong relationships with financial services providers are vital to the success of small businesses. Data from the 2023 Small Business Credit Survey (SBCS) gives insight into what small businesses value most in these relationships.
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Key insights from the 2024 Small Business Credit Survey
The 2024 Small Business Credit Survey revealed a decline in revenue growth, with more firms experiencing revenue decreases. Credit applications stayed steady, but fewer firms sought financing from large banks, turning to smaller banks and alternative lenders.
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Small-business owners: Share your experiences with credit access this past year
Small-business owners help inform policy conversations and decision-making. Take the Federal Reserve Small Business Credit Survey.
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Project highlights factors that influence Black business owners’ attitudes about debt
Data and conversations help inform reasons why Black businesses can be hesitant to apply for credit and emphasize the need for more education about the loan underwriting process.