Tara Mier for Gateway Commercial Finance

Navigating economic uncertainty: Financial planning for small business owners in 2025

Owning a small business in 2025 isn’t for the faint of heart. Money feels tighter, bills keep rising, and government policy can quickly change with little warning.

Inflation adds to the weight. OnDeck’s 2025 Small Business Cash Flow Report reveals that 32% of business owners report rising prices as their single biggest challenge. At the same time, borrowing has become harder, supply chains remain uneven, and interest rate changes ripple across industries. For many, staying afloat means rethinking old habits and sharpening financial discipline.

Gateway Commercial Finance , an invoice factoring company, lays out practical steps to prepare: protecting cash flow,

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