Small Business Reports
business journal for business owners

Special Report

Why are some businesses more successful than others?

Who can you trust for business funding, customer payments, and customer financing?

-- editors, Small Business Reports


     We asked ourselves and our friends in business, “Why are some businesses more successful than others?”

The straight answer was unanimous. Business Finance—meaning access to capital, which also means the right business tools and finance tools.  

     Finance is the engine of a business; capital is the fuel.   Many important things determine the success of a business—obviously—but without access to capital a business can quickly fail.

      Business finance includes business funding, customer payments, and customer financing. When tuned as one precision machine, not three separate things, some businesses boost revenue 20% to 30%.

     Success can mean different things, but most would agree that longevity and revenue growth are two commonly accepted measurements of a small business.


     A small business is one with less than 500 employees according to the Small Business Administration (SBA), the U.S. Census Bureau, the U.S. Bureau of Labor Statistics, and the Federal Reserve.

     By that definition, there are 30 million small businesses in the United States—more than 99 percent of all companies—and they provide over half of all jobs, including two thirds of all new jobs.

     Specific SBA regulations for Small Business Investment Companies (SBIC) define Small Business as a company with tangible net worth (total net worth less goodwill) of less than $19.56 million and average after-tax income (exclusive of loss carry-forwards) for the prior 2 years of less than $6.5 million—with roughly 500 to 1,500 employees depending on NAISC industry classification.


“Why are some businesses more successful than others?”

     We are still looking, but we may have found part of the answer - but not in the obvious possible explanations like location, marketing, knowledge, experience, employees, advertising, business education, sales training, leadership skills, or luck. 

     For decades, Napolean Hill, W. Clement Stone, Earl Nightingale, Denis Waitley, and Brian Tracy (and many others) have been selling the answers (books , tapes, seminars) to a similar question for corporate executives and managers of large organizations,  “Why are some people more successful than others?”

     But it’s not the same thing.  

     Employees and company leaders benefit from motivational personal development with courses in Time Management, Leadership, Goal Setting, and Sales Skills for competitive winning and high performance personal achievement - which ultimately primarily benefit the businesses that employ them.

     Small business owners need much more than personal development because they constantly face sudden unique threats requring decisions about serious developments and relentless challenging realities that almost always require access to capital for a solution.

Who can you trust for business funding, customer payments, and customer financing?

Do you have the right tools for the job of running your business?

Once upon a time, local bankers provided small business loans and credit card processing and customer financing for larger companies.  Your local banker probably knew you.

Today ─since 2008─ local banks mainly provide business checking and business credit cards. They are resellers for payment card processors that now offer merchants competitive direct accounts. Local branches continue to shrink in favor of online banking. And it doesn't matter if your banker knows you.

Banks decline roughly 75% of small business loan applications for less than a million dollars because they are not profitable, while most small businesses are applying for under $250,000.

Yet, 45% of small businesses plan to finance their expansion in the second half of 2019.  -  Pepperdine University - Graziadio Business School - July 2019

Only about 20% of small business owners have trusted the Internet for business finance. They tend to be younger businesses with owners that have time to search online, decide or guess which website to trust, and apply on a web form for smaller amounts.

Fortunately for small businesses that plan to expand, the local banker is being replaced by the business finance agency for business funding, customer payments, and customer financing.  A business finance agency is equal parts personal relationship and finance tech with trusted sources based on experience. 

However, many business finance agencies are small and some may not be found easily onlne by searching because they do not want to be crushed by crowds of unqualified applicants.  So they can be hard to find.

The editors are researching a future special report:  The Business Finance Agency.    

- final editing and fact checking in progress prior to release of complete article - coming soon


This will be the first installment of a series of special reports considered for future publication.




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