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Survey: 60% of Small Businesses Seeking Credit Plan to Use It for Working Capital

February 24, 2026

A quarterly survey conducted by Live Oak Bank, headquartered in Wilmington, NC, found that 60% of small business owners who expect to seek additional credit intend to use it for working capital purposes.

The findings were published as part of the bank's BusinessPulse report, a recurring research initiative that tracks sentiment and financial trends among small business owners.

Working capital — funds used to cover day-to-day operational expenses — topped the list of planned uses for credit among the surveyed business owners, according to the report.

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Source: liveoakbank on Facebook

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