Small-business owners are faring OK financially right now, but their worries about the future are mounting, according to a new Small-Business Financing Index from NerdWallet.

This is the first installment of the NerdWallet SMB Financing Index. It tracks and weights data from multiple sources, beginning in December 2021. Future index readings are always relative to the initial entry of 100. For example, an index reading of 110 would indicate that the index has risen by 10% since December 2021.

Tracking this data provides a consistent glimpse into the economic context in which small businesses operate. The ability to receive, deploy and repay financing is crucial to many small businesses. Changes in financing activity can signal an expansion or contraction in overall business activity.

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