Australian small to medium businesses are stuggling, with more than three quarters having faced a cash flow crisis in the past 12 months.

Tariffs and a cost-of-living crisis have forced many owners to take out business loans or dip into their own personal savings just to stay afloat.

And if nothing changes, it could put thousands out of business – and hurt everyday Aussies' hip pockets.

Daniel Trkulja, 27, started his business ThreadLAB as a print shop in 2015 and spent the last decade bulding it into a premium apparel printing business.

He should be riding the high of a job well done, but the last few years have been tough.

"A lot of trouble with tariffs and the trade war have come up, business has been tight, confidence in the market is down," he told 9news.com.au.

"And you're h

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