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Small Business Credit Survey: Used Owner's Personal Funds in Response to Financial Challenge: Employer Firms With 20 to 49 Employees (SBCSS1B2V4FRB)

Observations

2025: 41
Updated: Jul 30, 2026 2:07 PM CDT
2025:  41  
2024:  40  
2023:  38  
2022:  37  
2021:  50  

Units:

Percent,
Not Seasonally Adjusted

Frequency:

Annual

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Notes

Title Release Dates
Small Business Credit Survey: Used Owner's Personal Funds in Response to Financial Challenge: Employer Firms With 20 to 49 Employees 2026-03-03 2026-03-03
 
Source    
Federal Reserve Banks (Fed Small Business) 2026-03-03 2026-03-03
 
Release    
Small Business Credit Survey 2026-03-03 2026-03-03
 
Units    
Percent 2026-03-03 2026-03-03
 
Frequency    
Annual 2026-03-03 2026-03-03
 
Seasonal Adjustment    
Not Seasonally Adjusted 2026-03-03 2026-03-03
 
Notes    
The Small Business Credit Survey (SBCS) is an annual survey of firms with fewer than 500 employees that is fielded from approximately September through November each year. The SBCS is not a random sample; results should be analyzed with awareness of potential biases that are associated with convenience samples.

This series is based on the question: “What actions, if any, did your business take to deal with the financial challenges? Select all that apply.” and is the share of firms with financial challenges that selected “used personal funds.” Respondents could select multiple options. The set of response options presented in this question varied somewhat by survey year to reflect changing trends, though the “used personal funds” option remained unchanged. The question was not included in the 2016 and 2019 surveys.

See SBCS questionnaires (https://www.fedsmallbusiness.org/our-data/questionnaires) for detailed information on the questions in the survey.

SBCS terminology and definitions can be found here (https://www.fedsmallbusiness.org/our-data/terminology-and-definitions).

2026-03-03 2026-03-03

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Federal Reserve Banks (Fed Small Business) Small Business Credit Survey Small Business Employer Firms Financial Copyrighted: Citation Required Annual Nation United States of America Not Seasonally Adjusted