The BusinessPulse, powered by Barlow Research Associates, Inc., provides detailed analysis and reporting on small business sentiment including economic position, economic confidence, and credit outlook for small and middle market companies. Barlow Research surveys more than 2,800 companies annually across the U.S. to gather current viewpoints and draws on 10 years of data to provide in-depth research on economic trends to the commercial banking sector.

Live Oak BusinessPulse


Third Quarter, 2022



Findings include

Inflated prices are taking a toll on small businesses’ bottom lines

37% experienced decreased profits in the last 12 months
42% saw a decrease in excess cash reserves in the last 12 months

Prices are likely to level out due to poor sales and profit outlooks

50% of small businesses increased prices over the last 12 months
79% expect profits to decrease or remain the same in the next 12 months

Small businesses are increasingly seeking credit support

20% have applied for additional credit in the past 12 months
35% indicate they may need additional credit in the next 12 months
The Live Oak BusinessPulse, fielded by Barlow Research Associates, is an invitation-only economic survey administered online or via fax, fielded for two weeks during the first month of each quarter.