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Illustration of a computer monitor showcasing a graph with an arrow pointing and text, business trends for 2023. The SBA logo is at the bottom.


It’s difficult to understate all the changes the business landscape has seen in the past few years, and yet entrepreneurs have responded with incredible adaptability. Perhaps that is one of the biggest reasons small business owners are optimistic about the future. In fact, 66% expect revenue increases and more than half plan to expand their business in 2023. Plenty of challenges and opportunities lie ahead, both in day-to-day operations and in the long-term. It’s impossible to predict exactly what will happen next year. However, having well-informed expectations can help you stay ahead of the curve. Here are the trends SBA is monitoring as we head into 2023.

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This week, Administrator Isabella Casillas Guzman visited Puerto Rico to meet inspiring small business owners who were able to pivot, recover and grow with help from SBA programs and resources. If you are thinking about starting or growing your business, check out SBA’s business guide.

Building a Better America: A Small Business Resource Community  2022 Recap of SBA Resources and 2023 Look-Ahead


Join SBA and Public Private Strategies for a webinar on Wednesday, December 21 at 2pm ET about resources to prepare small business owners for the new year. This webinar will also highlight how the Inflation Reduction Act, the Bipartisan Infrastructure Law, the American Rescue Plan, and Made in America initiative are creating new opportunities to help small businesses grow. Speakers include: 

  • Malik Lee, Managing Principal and Founder, Felton & Peel Wealth Management
  • Anne Zimmerman, Owner and Founder, Zimmerman & Co CPAs Inc.
  • Jennifer Kim, Associate Administrator, Office of Field Operations, U.S. Small Business Administration

Register now

SBA Disaster Loans  Check disaster declarations  Apply for a disaster loan   Check your status


On December 5, SBA announced it will waive the interest rate for the first year on new disaster loans and extend the initial payment deferment period automatically to 12 months. The change is effective for all disaster loans approved in response to a disaster declared on or after September 21, 2022, through September 30, 2023. The effective date covers SBA disaster loans currently available for Hurricane Fiona and Hurricane Ian declared earlier this year. SBA does not have the authority to forgive interest that has already accrued on disbursed loan funds.

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SBA Learning Center. Free online business courses


Whether you’re looking to start a small business or expand your current one, SBA’s digital learning platform has everything you need to educate yourself on entrepreneurial best practices and available financing options. 

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Photo of two people in front of a laptop with text that includes, HUBZone Program. The SBA logo is at the bottom.


If your small business is located in a designated historically underutilized business zone, it may be eligible for set-aside government contracts. Explore the HUBZone map and learn more about the program.

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Illustration of a graph with the following text: Small Business Lending for Fiscal Year 2022. The SBA logo is at the bottom.


In Fiscal Year 2022, SBA reached nearly $43 billion in funding to small businesses, providing more than 62,000 traditional loans through 7(a), 504, and Microloan lending partners and over 1,200 investments through SBA licensed Small Business Investment Companies.

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Illustration of a calculator, map, ship, airplane and points with the following text, finance export transactions. The SBA logo is at the bottom.


This week, SBA signed a Strategic Alliance Memorandum with the Bankers Association for Finance and Trade, the leading global financial services association for international transaction banking, which will formalize the SBA’s existing relationship with the association. SBA and BAFT strive to tackle challenges both lenders and small businesses face when seeking the trade financing that is essential to international trade. Together, SBA and BAFT will work to educate small businesses and their lenders on the export financing solutions available in the marketplace.

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