Skip to content

Small Business Credit Survey

Federal Reserve Banks of Atlanta, Boston, Chicago, Cleveland, Dallas, Kansas City, Minneapolis, New York, Philadelphia, Richmond, St. Louis and San Francisco

The 12 Reserve Banks of the Federal Reserve System launched the annual Small Business Credit Survey to provide timely insights on small business conditions to policy makers, service provider and lenders. The survey is a national sample of small businesses, or firms with fewer than 500 employees, aimed at providing insight into firms’ financing and debt needs and experiences. Analysis of this dataset is issued through a series of reports (below). Learn more at fedsmallbusiness.org.

2018 Survey Results

Report on Employer Firms in Texas
August 2019
Drawing from the 2018 survey results, this report examines financial conditions and credit needs of small employers in Texas. This report is the second statewide report to come from this collaboration.

Report on Employer Firms
April 2019
This report examines business conditions, financial challenges and credit environment from the perspective of small business owners who have employees.

  • Press release (including takeaways specific to the Dallas Fed’s district)

2017 Survey Results

Report on Employer Firms in Texas
December 2018
Drawing from the national survey, this report examines financial conditions and credit needs of Texas small businesses with employees.

Report on Nonemployer Firms
December 2018
Nonemployer firms make up 81 percent of all U.S. small businesses, generating $1.2 trillion in annual sales. But are they succeeding financially?

Report on Employer Firms
May 2018
This report examines business conditions, financial challenges and credit environment from the perspective of over 8,000 small business owners who have employees.

Report on Disaster-Affected Firms
April 2018
Forty percent of firms in FEMA-designated disaster areas reported losses from recent storms. This report looks at which firms were hit hardest and how heavily they depend on aid and credit to get back in business.

How Do Firms Respond to Hiring Difficulties?
March 2018
Two-thirds of small businesses report hiring challenges. This report examines the different difficulties they face and how they solve for them.