52% of Small Businesses Don’t Revolve Their Credit Card Balances

Small businesses are treating credit cards less like a backup and more like a flexible operating tool, and the way they use them is starting to look surprisingly consumer-like.

That is the throughline of “SMB Growth Monitor: How Firms Use and Choose Credit Cards” a PYMNTS Intelligence report based on a survey of 583 U.S. small and medium-sized businesses (SMBs) fielded April 4 to April 22, 2025. The data show that many firms routinely blend business and personal cards, keep multiple cards active...