When Money Got Tight, 58% of Owners With 1 to 4 Employees Used Their Own Funds. At 20 to 49, the Business’s Reserves Came First.
Samantha Lankford2026-10-17T15:30:00-04:00Fed survey data: at the smallest firms, the owner's own money was the most common answer to a cash squeeze. From 20 employees up, cash reserves came first.
























