{"id":21618,"date":"2023-02-15T11:44:15","date_gmt":"2023-02-15T19:44:15","guid":{"rendered":"https:\/\/www.tmcfinancing.com\/?p=21618"},"modified":"2023-02-27T18:04:25","modified_gmt":"2023-02-28T02:04:25","slug":"2023-small-business-outlook","status":"publish","type":"post","link":"https:\/\/www.tmcfinancing.com\/es\/2023-small-business-outlook\/","title":{"rendered":"2023 Small Business Outlook"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-19813 size-full\" style=\"font-family: Calibri, 'sans-serif'; font-size: 14.6667px;\" src=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2022\/01\/Email-Header-Business-Outlook-2022.png\" alt=\"\" width=\"1584\" height=\"396\" srcset=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2022\/01\/Email-Header-Business-Outlook-2022.png 1584w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2022\/01\/Email-Header-Business-Outlook-2022-300x75.png 300w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2022\/01\/Email-Header-Business-Outlook-2022-1024x256.png 1024w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2022\/01\/Email-Header-Business-Outlook-2022-768x192.png 768w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2022\/01\/Email-Header-Business-Outlook-2022-400x100.png 400w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2022\/01\/Email-Header-Business-Outlook-2022-1536x384.png 1536w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2022\/01\/Email-Header-Business-Outlook-2022-16x4.png 16w\" sizes=\"auto, (max-width: 1584px) 100vw, 1584px\" \/><\/p>\n<p>2021 was one of the roughest years on record in the world of small business. 2022 showed that things have significantly improved &#8211; but small business owners are still not quite as optimistic as previous years as they dive into 2023.<\/p>\n<p><em><strong>What does the future hold?<\/strong><\/em><\/p>\n<p>TMC Financing surveyed their portfolio of funding recipients in California, Arizona, Nevada and Oregon to understand how they are feeling about the upcoming year. The news was not quite as optimistic as last year\u2019s results according to the 313 small business owners that completed the survey.<\/p>\n<p>Here are some important highlights:<\/p>\n<ul>\n<li>41 percent of business owners surveyed expect to hire in 2023.<\/li>\n<li>77 percent said they do not plan to refinance during the year.<\/li>\n<li>86 percent of respondents said the SBA 504 loan helped their business.<\/li>\n<\/ul>\n<p>Let\u2019s take a closer look at what our survey respondents had to say.<\/p>\n<h2><strong>Ingresos<\/strong><\/h2>\n<p>In 2022, <strong>59% of small business owners surveyed saw their revenue increase<\/strong>. 21% said their revenue was the same as the previous year, and 19% said their total revenue decreased.<\/p>\n<p>By comparison, 64% predicted a revenue increase in <a href=\"https:\/\/www.tmcfinancing.com\/es\/2021-small-business-outlook\/\">2022<\/a>, 29% predicted a constant revenue, and only 7% believed their revenue would decrease during 2022.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-19828 size-full\" src=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2022\/01\/Revenue-Predictions.png\" alt=\"\" width=\"469\" height=\"275\" srcset=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2022\/01\/Revenue-Predictions.png 469w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2022\/01\/Revenue-Predictions-300x176.png 300w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2022\/01\/Revenue-Predictions-400x235.png 400w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2022\/01\/Revenue-Predictions-16x9.png 16w\" sizes=\"auto, (max-width: 469px) 100vw, 469px\" \/><\/p>\n<p>Looking ahead, 49% of respondents predict 2023 will see an increase in revenue. 17% expect their revenues to decline in the coming year. 34% say the revenue picture will likely remain status quo through 2023.<\/p>\n<h2><strong>Contrataci\u00f3n y Expansi\u00f3n<\/strong><\/h2>\n<p>One of the essential effects of credit is creating jobs. Credit can be thought of as the life-blood of a community because it fosters the conditions needed for re-investment. By leveraging funds obtained through TMC Financing, our clients have created jobs across four states (Arizona, California, Nevada and Oregon).<\/p>\n<p><strong>4,953 jobs will be created or retained from TMC Financing&#8217;s borrowers that funded a loan in 2022.<\/strong><\/p>\n<p>Ready financing at fixed rates will become even more critical in 2023 as interest rates across the board have increased. In this climate, it might be heartening to know just how many borrowers expect to grow their business:<\/p>\n<ul>\n<li>40% expect to <strong>hire<\/strong> in 2023<\/li>\n<li>52% expect to <strong>maintain<\/strong> their current headcount<\/li>\n<li>8% expect to <strong>reduce<\/strong> their headcount in 2023<\/li>\n<\/ul>\n<p><strong>What about business expansion?<\/strong> The majority of respondents said they had no immediate plans for it, at 72%. 17% said they planned to purchase a new building, and 6% said they expected to lease a property. 5% are unsure.<\/p>\n<p>La mayor\u00eda de los titulares de pr\u00e9stamos SBA 504 que est\u00e1n al d\u00eda con su pr\u00e9stamo actual tienen la oportunidad de obtener pr\u00e9stamos adicionales si es necesario. \u00a1Una empresa puede obtener m\u00faltiples pr\u00e9stamos SBA 504! Con eso en mente, los propietarios de peque\u00f1as empresas que califiquen pueden examinar sus opciones para realizar una compra antes de decidir arrendar una propiedad.<\/p>\n<h2><strong>Refinanciar<\/strong><\/h2>\n<p>Business owners tend to focus their refinancing activity on times when a major swing in interest rates offers them the opportunity to save money. Due to rising interest rates, we have seen a recent uptick in business owners that want to refinance their variable rate loan into and SBA 504 fixed rate.<\/p>\n<p>However, according to our portfolio, 2023 is not seen as the time our business owners want to <a href=\"https:\/\/www.tmcfinancing.com\/es\/sba-504-loans\/refinance-commercial-mortgage-debt\/\">refinanciar<\/a>.<\/p>\n<p>78% of those surveyed say they do not plan to refinance in 2023.\u00a0 Only 4% said they will refinance, while 18% said they were not sure due to interest rates or other factors.<\/p>\n<h2><strong>SBA 504<\/strong><\/h2>\n<p>El pr\u00e9stamo SBA 504 est\u00e1 especialmente dise\u00f1ado para proporcionar a las peque\u00f1as empresas en crecimiento el financiamiento que necesitan para comprar propiedades comerciales, refinanciar o renovar una propiedad existente, incluida la renovaci\u00f3n de una propiedad con tecnolog\u00eda de eficiencia energ\u00e9tica. Con tasas de inter\u00e9s fijas por debajo del mercado y un pago inicial bajo, pone al alcance de la mano las visiones de los empresarios.<\/p>\n<p>\u00bfQu\u00e9 dicen los due\u00f1os de negocios sobre el pr\u00e9stamo SBA 504?<\/p>\n<p>Esta es solo una breve muestra de sus respuestas a la pregunta. <strong>&quot;Tiene el <a href=\"https:\/\/www.tmcfinancing.com\/es\/business-financing\/why-sba-504\/\">Pr\u00e9stamo 504<\/a> ayud\u00f3 a su negocio?<\/strong><\/p>\n<ul>\n<li>&#8220;It helped us secured our building and gave us confidence to grow.&#8221;<\/li>\n<li>&#8220;Allowed me to purchase a property i wouldn&#8217;t have been able to do otherwise. Will likely rent half of property to cover entire expense or even make money going forward&#8221;<\/li>\n<li>&#8220;Not paying these ridiculously rents that\u2019s happening today.&#8221;<\/li>\n<li>&#8220;It gave our business stability.&#8221;<\/li>\n<li>&#8220;The 504 program allowed me to purchase the building that I work out of. The program has allowed me to fix rent cost, increase my profits, and will have an asset when I go to sell my business.&#8221;<\/li>\n<li>&#8220;I own my building! This is the key to my baseline retirement plan. &#8220;<\/li>\n<li>&#8220;Our four 504 loans have enabled our rapid growth&#8221;<\/li>\n<li>&#8220;It is what has allowed us to exist. We bought our property with this loan, which is what has allowed us to get through the last few years.&#8221;<\/li>\n<li>&#8220;It gave us the ability to buy our building&#8230; which meant we would never have to worry about rents increasing.&#8221;<\/li>\n<\/ul>\n<p><strong>In total, an outstanding 87% of respondents said the SBA 504 loan has helped their business.<\/strong><\/p>\n<h4><a href=\"https:\/\/www.tmcfinancing.com\/es\/tmc-financing-remains-number-1-504-lender-fy-22\/\">TMC Financing provided $623 million in total SBA 504 financing in 2022.<\/a><\/h4>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.tmcfinancing.com\/es\/contact\/\">P\u00f3ngase en contacto con nosotros hoy<\/a> para obtener m\u00e1s informaci\u00f3n sobre el pr\u00e9stamo SBA 504 y si podr\u00eda ser adecuado para usted.<\/p>\n<p><a href=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2023\/02\/Small-Business-Outlook-Infographic-2023-1.pdf\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-21699 size-full\" src=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2023\/02\/Small-Business-Outlook-Infographic-2023-1-pdf.jpg\" alt=\"\" width=\"1088\" height=\"1792\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"http:\/\/www.prweb.com\/releases\/tmc_financing_releases_its_annual_small_business_outlook_survey_for_2022\/prweb18522568.htm\" target=\"_blank\" rel=\"noopener\">Ver comunicado de prensa.<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>2021 was one of the roughest years on record in the world of small business. 2022 showed that things have significantly improved &#8211; but small business owners are still not&#8230;<\/p>","protected":false},"author":12,"featured_media":21697,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[25,89],"tags":[337,308,323],"class_list":["post-21618","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-updates","category-tmc","tag-sba-504","tag-small-business-outlook","tag-survey"],"acf":{"related_posts":[{"post":15375},{"post":12097},{"post":19809}]},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.3 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Small Business Outlook 2022 | TMC Financing Surveys their Borrowers<\/title>\n<meta name=\"description\" content=\"Each year, TMC Financing surveys its small business clients to get insight on their outlook and predictions for the coming year\" 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