Make or Break: How Cash Flow Challenges Imperil Small Business Growth

Cash flow is the lifeblood of every small business—but in 2025, it’s more unpredictable than ever. BillGO partnered with Ipsos to survey more than 250 small business leaders nationwide to uncover how delayed receivables, rising fraud and inefficient payment systems are threatening growth and access to capital. The findings reveal the hidden costs of slow payments and the opportunities to strengthen financial resilience through faster, more secure digital payments.

Key findings of our U.S. small businesses research include:

• 70% say payments fraud has negatively impacted their cash flow.
• 92% say stable cash flow is essential to accessing growth capital.
• 43% say inefficient/inconsistent cash flow is their biggest challenge in ensuring consistent funding.
• 49% of small businesses cite late customer payments as a top cash flow challenge.

Download the full report to learn how small businesses can accelerate payments, strengthen cash flow and protect their growth in today’s economy.