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Clinton and Trump campaign promises for small businesses: What do they mean?

Crain’s Detroid Business

Aug. 26

Scott Lyon, senior vice president with the Small Business Association of Michigan, told Crain’s there are some decent proposals in both Clinton’s and Trump’s platforms.

However, Lyon said Clinton’s small business campaign promises lack sufficient detail to fully judge how they would work in the real world.

“All of these things are good conceptually but it’s just not clear how far they go,” said Lyon.

To answer Crain’s inquiry, Lyon also consulted with Tony Stamas, SBAM’s vice president of government relations, and associates at the National Small Business Association.

 

Deficit goes in wrong direction

Politico

Aug. 24

Molly Brogan Day, a spokeswoman for the National Small Business Association, also said expensing is a “huge thing for us,” though she noted Clinton’s proposal isn’t as generous in that area as the one advocated by House Republicans.

 

Clinton unveils plan to boost small businesses

USA Today

Aug. 23

“At first glance, Secretary Clinton’s small-business proposal hits on some key issues, namely tax complexity, a major problem for small businesses,” says Molly Day, spokeswoman for the National Small Business Association (NSBA). … The NSBA’s Day, however, says that with health care costs rising rapidly, a temporary credit may not be enough to spur many of the smallest businesses to offer health coverage.

 

 

Does Obamacare Scare You? 5 Things To Keep Your Business Compliant, Covered And Saving Money

Forbes

Aug. 17

While the Affordable Care Act (ACA) has been in effect since 2010, there have been several changes to the law, with many of its rules and requirements still mired in confusion for many small business owners. That may be why a 2014 survey by the National Small Business Association found that small employers spend an average of 13 hours or $1,274 a month just to keep up with Affordable Care Act compliance.

 

What Trump’s and Clinton’s economic plans might mean for NC

McClatchyDC

Aug. 9

Some of Trump’s ideas sound promising, said Molly Day, vice president of public affairs for the National Small Business Association, a nonpartisan advocacy group. She said the group approved of Trump’s plan for corporate tax restructuring and tax simplification. Trump has been specific about how those things would affect the small-business community, she said. However, his approach to new regulations is somewhat worrisome, she said. Trump would allow Congress to vote to embrace or reject new regulations that would have a significant impact on businesses, she said.

“It may sound like a good idea, but involving Congress in that process, based on how dysfunctional they’ve been lately, we’re a bit skeptical of that plan,” she said.

 

Trump Just Made a Huge Exaggeration About Small Businesses

Fortune

Aug. 8

It’s true that regulations are a top concern for small-business owners, as noted by the National Small Business Association, a centrist lobbying group, which polled its membership in April. Of the 890 business owners surveyed, more than a third who said they had contacted a congressional representative, said they have done so to urge regulatory reform. Regardless of party, 40% of those polled said Republicans were the party most supportive of regulatory reform, compared to 12% who said Democrats are. (Thirty-seven percent said neither party is.)

 

Democrats: We need to change the party’s business narrative

Philadelphia Business Journal

July 25

It’s an uphill battle for Democrats, though. In a national Small Business Association poll from 2014, about 39 percent of small business owners consider themselves Republican as opposed to 22 percent who are Democrats. Nearly 30 percent call themselves independent politically.

 

Expect focus on small business to grow in presidential race

Associated Press

July 20

Half of owners surveyed in April for the National Small Business Association, an advocacy group, said they’re affiliated with the Republican Party, while 21 percent said they identify with the Democrats, 19 percent call themselves independents and the remainder were split among other parties or did not answer. Nearly half said they believe Republicans best represent their companies, but less than a quarter said they vote a straight party line.

 

US entrepreneurship declines in 2015, reversing 4 years of upward growth

CNBC

July 19

The new findings are not “necessarily surprising,” said Molly Day, vice president of public affairs for the nonpartisan advocacy group the National Small Business Association.

“In looking at some of the recent data we have seen, small businesses are not super optimistic right now,” Day said. “Regulatory hurdles are significant, and health-care reform in particular is something they consider greatly” before deciding to launch a new business.

 

Eric Trump: ‘My father isn’t intimidated by anyone or anything’

The Washington Times

July 13

POLL DU JOUR
98 percent of small business owners are registered to vote; 97 percent vote regularly in national elections.

65 percent are “conservative” on social and fiscal issues, foreign affairs and national security.

50 percent are Republicans, 21 percent Democrats, 19 percent independents, 6 percent unaffiliated and 2 percent Libertarians.

46 percent say the Republicans Party bests represents small businesses, 40 percent say neither party, 14 percent say the Democratic Party.

Source: National Small Business Association survey of 890 smal business owners conducted April 4 to 13 and released Wednesday.

 

How Goldman Grooms Its 10,000 Small Businesses for Growth

Fortune

July 11

By comparison, according to the most recent numbers from the National Small Business Association, 45% of all business owners increased revenue by some amount in 2015, and 23% increased their employee headcount.

 

Non-Bank Small Business Lenders And Small Business Advocates Work Together to Set Best Practices, Raise Standards

Yahoo Finance

July 12

“Access to capital continues to be a top priority for NSBA, and CRBF’s efforts will help raise the bar for practices within a growing financial services sector that can help small businesses tap into much-needed alternative funding sources,” stated Todd McCracken,National Small Business Association (NSBA) President and CEO, and an Advisory Board member for CRBF.

 

Phoenix cybersecurity CEO launches free webinar series for non-technical employees

Phoenix Business Journal

July 12

The $9,000 cost for an average cybersecurity attack comes from a 2013 small business technology survey commissioned by the National Small Business Association.

 

How the Business Community Really Feels About Trump and Clinton

Inc.

June 29

Forget about winter. The Elections are coming, and with that, a daily outpouring of polls attempting to predict what will happen on November 8. The latest, from theNational Small Business Association, reveals how small-business owners feel about their elected officials and the U.S. political system. In a word: disillusioned.

Nearly two thirds of small-business owners believe that the current political system does not serve their business well, and 60 percent believe their national elected officials do not represent them well, according to NSBA’s 2016 Politics of Small Business Survey. Moreover, the poll found that 40 percent feel neither party represents them as an individual.

 

Trump in trade war with U.S. Chamber of Commerce (and other news from Washington today)

American City Business Journals

June 29

GOP has edge among small business owners, but there’s a lot of discontent

Small business owners tend to be Republican, but the GOP can’t take their votes for granted.

That’s one takeaway from a survey of 890 small business owners conducted by the National Small Business Association. The survey found that 50 percent say they are Republicans, 21 percent are Democrats, 2 percent are Libertarians and the remainder are independents. But 78 percent say they don’t vote a straight-party ticket.

Nearly two-thirds don’t think the current political system serves their businesses well.

How small business owners vote should matter to politicians because they are far more likely to vote than the average American — 97 percent said they regularly vote in national elections, and 90 percent vote in state elections. Two-thirds say they have contacted election officials about an issue.

Economic and fiscal issues are the top factor in how they vote. The survey found that 46 percent think Republicans best represent their small business, compared with 14 percent for Democrats. The only issue where Democrats get the edge over Republicans is energy efficiency for small businesses.

But 40 percent think neither party represents their business well. Plus, small business owners think local and state elected officials do a better job of responding to their needs than do members of Congress or PresidentBarack Obama. Nearly 75 percent think Obama doesn’t have a good understanding of small business issues.

 

New Survey Shows Small Businesses Don’t Vote Along Party Lines

Yahoo News

June 29

“Small-business owners overwhelmingly rank economic and fiscal issues as the top factor in determining how they vote,”stated NSBA Chair Cookie Driscoll, owner of C. Cookie Driscoll Inc. of Fairfield, Pennsylvania. “Unfortunately, small-business owners broadly agree that Members of Congress and their staff don’t really understand small business.”

 

Industry Responds to Victory Over States’ Attempt to Shut Down Reg A+

Crowdfund Insider

June 15

Ford Ladd, a DC-based attorney who wrote an amicus for National Small Business Association in support of the SEC, told Crowdfund Insider;

“I want to thank the National Small Business Association and its former President, Jeffrey Van Winkle, for working with me on our Amicus Brief supporting SEC preemption of Regulation A Offerings.

 

Beyond Backup: The Role of Security and Privacy in Data Protection

CIO

May 31

In fact, a National Small Business Association survey shows that 44 percent of small businesses report being victimized by cyberattacks at some point, with an average cost of $8,700 per incident.

 

U.S. research groups going to war again over small business funding

Science

May 18

To Jere Glover, none of those arguments is new—and none holds water. Glover, a former chief counsel for advocacy at the Small Business Administration and a long-time champion of the SBIR program, has been spearheading the changes as executive director of the Small Business Technology Council in Washington, D.C. He says the number of applications has always been cyclical and very sensitive to external factors—the 2011 figure represents a 10-year peak and a 50% rise from a 2007 trough, for example, most likely generated by the infusion of federal dollars in the 2009 stimulus. He thinks that the academic community is being short-sighted in opposing a program that the U.S. National Academies of Sciences, Engineering, and Medicine has repeatedly found is accomplishing its mission and creating jobs for thousands of scientists and engineers who can’t find academic positions after they graduate.

 

Demystifying 11 Fundamentals for Financing Your Business

Entrepreneur

May 24

A report by the National Small Business Association puts credit cards as third most popular financing choice, after retained earnings and bank loans. Using credit cards to fund a venture is an attractive option — especially for startups that may not have a lot of cash flow. Still, using credit cards isn’t without its risks. Should you run into trouble or the business fail to take off as planned, and you’re unable to pay back the balance on time, you’ll be stuck with high interest rates.

 

Small-Business Owners Have a Thing for Donald Trump

Slate

May 9

Small businessmen and women also have one thing over the average American: They vote. Frequently. An astonishing 95 percent claimed to pull a lever in national elections, according to a 2014 poll conducted by the National Small Business Association. And they lean Republican, obviously—that same 2014 poll claims about 2 in 5 of them are members of the party, with the next largest group calling itself “independent.”

 

Here’s What Small Businesses Need to Jump-Start Exports

Inc.

May 7

So says the National Small Business Association (NSBA), which this week published a report on small business exporting. The NSBA polled 530 business owners between February 22 and March 14, and its recent report updates one from 2013. Nearly 60 percent of the survey respondents had done some exporting, and about half said they were interested in exporting in the future.

 

As Trump and Clinton face off, Main Street is looking for details

CNBC

May 6

“Overall we are disappointed by all of the campaigns—there’s really not a lot of true small business focus out there,” says Molly Day, spokeswoman for the nonpartisan National Small Business Association. “As far as I’ve seen, no one has a concrete plan.”

 

Senate eyes change for ‘angel investors’

The Hill

May 4

Molly Day, vice president for public affairs at the National Small Business Association, said business owners will still do their due diligence, regardless of how they meet the investors.

 

Cyber Attacks on Small Businesses on the Rise

Fox Business

April 27

Cyber criminals raked in an average of $32,000 from small business accounts, according to a December survey of owners by the National Small Business Association.

 

Getting to the bottom of the government’s Juniper response

Politico

April 20

Richard Snow, owner of Maine Indoor Karting, plans to testify about how a phishing attack hurt his business. He’ll also testify on behalf of the National Small Business Association. “NSBA has long urged Congress to move forward on establishing streamlined guidelines and protocols to ensure the protection and security of online data and financials, but caution against a knee-jerk reaction that would unfairly place a disproportionate burden on America’s small firms,” his written testimony says.
Last-minute tax moves worth thousands

CNBC

April 13

Not surprisingly, 60 percent of small-business owners say administrative burdens, like paperwork and confusing rules, are the worst part of filing — even more so than the financial cost of taxes, according to a recent survey by the National Small Business Association. Almost half of small-business owners file under extension, the survey found.

 

 

New small business finance coalition

Politico

March 28

Tom Sullivan, former chief counsel for advocacy in the Small Business Administration, will lead the new Coalition for Responsible Business Finance, a joint venture of the National Federation of Independent Business, the National Small Business Association and the Small Business & Entrepreneurship Council dedicated to growing the non-traditional small-business lending industry.
Money For Lunch Radio, Feat. Cookie Driscoll

I Heart Radio

March 21

Cookie Driscoll owner of C. Cookie Driscoll Inc. of Fairfield, Pennsylvania, a full line distributor of promotional products. She is serving as the 2016 Chair for the National Small Business Association and has been outspoken about the importance of improving bipartisanship in Washington, D.C. as well as tackling major issues facing the U.S. such as the growing U.S. debt

 

National Small Business Association Reports Uptick in Small Business Growth

Small Business Trends

March 11

A full half of small business owners see growth opportunities in the next six months, while 17 percent say they are already seeing that growth.

Only 33 percent say they see no immediately growth opportunities ahead. That’s according to the most recent survey by the National Small Business Association.

According to the National Small Business Association’s 2015 economic report (PDF), nearly 75 percent of small business owners surveyed are confident in their businesses — the highest percentage recorded in the last four years. However, there was a relatively less positive outlook among the small business owners on the overall economy than even six months ago.
Adams County businesswoman chair of national association

Gettysburg Times

March 5

An Adams County small business owner has been elected to head a national organization advocating for small businesses. Cookie Driscoll, has owned a small horse farm near Fairfield for nearly 30 years. On Jan. 1, she took office as Chairman of the Board of Trustees of the 65,000-member National Small Business Association (not to be confused with the U.S. government’s Small Business Administration).

“We are an advocacy organization that works to protect small businesses,” she said Thursday of her efforts to “just get the same playing field that the big guys get.”

 

Business bank accounts vulnerable to cybercriminals

Associated Press

March 3

Cybercriminals took an average $32,000 from small business accounts, says a December survey of owners by the advocacy group National Small Business Association. And businesses don’t have the legal protection consumers do from bank account fraud.

 

Local woman takes over as National SBA Board Chair

York Dispatch

March 1

After serving on the board for more than 10 years, Fairfield resident Cookie Driscoll took over this year as Board Chair for the National Small Business Association.

The nonpartisan organization with more than 65,000 members advocates in Washington, D.C., for small business interests and has been around for more than 75 years.

 

Small-business owners upbeat on companies in the coming year

Charlotte Observer

Feb. 24

The survey was in line with one released earlier this month by the advocacy group National Small Business Association, which found a slight increase in the number of owners with a bleaker view of the economy, but three-quarters of owners upbeat about their own companies’ prospects. The NSBA survey was taken in December.

 

6 Smart Ways to Keep Tax Season From Slowing Your Company Growth

Inc.

Feb. 19

Most business owners do that too. A National Small Business Association survey conducted in 2015 found that 85% of the roughly 675 owners surveyed said they hired a professional tax preparer.

 

Small business owners: Presidential candidates don’t get us

American City Business Journals

Feb. 11

Most small business owners are paying a lot of attention to the 2016 presidential campaign, but many think the candidates have little to no understanding of small business.

That’s according to a survey of 884 small business owners conducted recently by the National Small Business Association.

 

Small businesses push to get bigger share of federal R&D spending

American City Business Journals

Jan. 28

“This process was incredibly stressful for small businesses, as there was a constant atmosphere of uncertainty over three years over whether or not the program would be around,” said Jere Glover, executive director of the Small Business Technology Council, which represents many SBIR recipients.

 

3 Situations Where Hiring a Lawyer Will Save You Money

Inc.

Jan. 27

That said, court is still best avoided. “You can’t do well in a scorched-earth context in court,” says Keith Ashmus, a partner at the Cleveland law firm Frantz Ward, “and those decisions are not hugely predictable.” Consider these three places to hunker down with a lawyer to avoid problems down the road.

 

Business owners can save time, money when it comes to tax time

The Telegraph

Jan. 18

In a survey of more than 675 owners last year by the National Small Business Association, almost 60 percent said the administrative burdens were the biggest problem caused by federal taxes. And 85 percent of those surveyed said they relied on a professional to prepare their returns.

 

National SBA seeks new members for its leadership council

Sun Herald

Jan. 14

The National Small Business Association is seeking leaders from the small-business community to join NSBA’s Leadership Council.

The organization is seeking members who may know their members of Congress, have experience in leadership positions in other organizations, have had some experience in dealing with the media and are passionate about small business.

The NSBA Leadership Council meets regularly to identify key issues important to the small-business community.

 

4 things every small business owner should know about taxes

Associated Press

Jan. 13

In a survey released last year by the advocacy group National Small Business Association, nearly 60 percent of the owners surveyed said the administrative burdens were the biggest problems posed by federal taxes. And 85 percent of the more than 675 owners said they relied on a professional to prepare their returns.

 

President Obama vetoes health-care repeal bill

CNBC

Jan. 8

For Main Street, health-care costs overall remain a key issue as small companies strive to grow their businesses and hire more workers after the deep recession. “This is not how we preferred it to be done,” said Molly Day, a spokeswoman for the National Small Business Association. “But we do have key reforms that need to be made more workable for small firms.”

For example, Day cited the health-insurance tax. Known as HIT, the tax raises the cost of small-business health-insurance premiums. HIT “will be passed on more to small businesses as they are fully insured, versus large firms that are self-insured,” Day said.

The employer mandate is another cause for concern among members, Day said, with 1 in 4 small businesses saying they’re “purposefully not growing” because of the mandate.

Supporters of the Affordable Care Act say the measure is long overdue, and that employees with health insurance can help boost employee retention and recruitment efforts.

But other Main Street groups disagree. “I don’t know that it’s adding to confusion, but potentially to frustration,” Day said. “I don’t know that small-business owners are in a better position than they were five years ago with our health-care system.”

 

Biz tip of week: 5 steps to better cybersecurity

Arizona Daily Star

Dec. 20

According to a 2013 Small Business Technology Survey by the National Small Business Association, 44 percent of small businesses reported being the victim of a cyberattack, with an average cost of $9,000 per attack.

 

Tax Extenders Package a Major Win for Small Business

Reuters

Dec. 16

“There is no single item in the tax code more crucial to incentivizing small business investment than Section 179 expensing. But for years, small-business owners’ ability to plan for these investments has been held hostage by a dysfunctional Congress that has time and again failed to address these critical tax provisions in a timely or long-term manner, forcing many to hold off on growing their business.

“The importance of this agreement to small business is significant and something NSBA has been urging for years. I congratulate Congressional negotiators for striking this very important growth-oriented agreement.”

 

Small business group backs TPP, U.S. Chamber still mulling

Politico Pro (subscription required)

Dec. 9

The White House today picked up support for the Trans-Pacific Partnership from the National Small Business Association, while the U.S. Chamber of Commerce and many other business groups continue to mull over the landmark trade deal.

“The TPP is a positive step forward for U.S. exporters, and particularly small firms who often face insurmountable hurdles to exporting their goods and services,” NSBA President and CEO Todd McCracken said in a statement.

The Small Business Exporters Association, one of the NSBA’s councils, also backed the 12-nation Pacific Rim agreement.

“We were especially pleased with the TPP’s inclusion of a chapter dedicated solely to small- and medium-sized enterprises and believe it sets up a sound mechanism for engaging small exporters throughout the deal to ensure their needs are fairly represented,” McCracken said.

 

Small businesses on edge with equipment tax break in peril with Congress

Associated Press

Dec. 8

NEW YORK — A tax break that has helped small businesses buy new equipment is in peril as Congress considers its future.

The so-called Section 179 deduction, which is aimed at helping small businesses grow, is caught up in a debate over a number of tax provisions. Lawmakers are haggling over whether to raise the $25,000 deduction to $500,000 for the current tax year only, or to make the higher level permanent for future years.If they can’t reach an agreement, the deduction would remain at the lower amount.

Congress had hoped to wrap up a $1.1 trillion spending bill that includes the Section 179 deduction by midnight this Friday (Dec. 11). But talks on the bill have stalled and it’s not known when lawmakers might reach an agreement.

The inaction has left small business owners like Vicki and Charles Phaneuf (NSBA Contacts from Cynthia Kay) in limbo. The couple wants to purchase $30,000 in chairs for their party rental company, CE Rental. But if Congress doesn’t approve an increase in the deduction, they won’t be able to afford them. The Phaneufs, whose company is in Raleigh, North Carolina, have already used up the $25,000 deduction on a truck and other equipment.

“It’s delayed our making any purchases that weren’t absolutely necessary,” Vicki Paneuf says.

The Section 179 deduction, named for a provision in the federal tax law, allows a small business to deduct up front the entire cost of equipment ranging from computers to furniture to vehicles and machinery. The deduction is $25,000, but lawmakers vote every year on whether to increase that amount for the current year.

Before the recession, the deduction was fairly predictable; it rose to keep up with inflation. Congress nearly doubled it to $250,000 for 2008 to stimulate the economy during the recession and kept it at that level for 2009. Congress raised it to $500,000 for each of the next five years, but often lawmakers didn’t OK the larger deduction until December of each year. The House passed a bill early this year calling for the higher deduction, but it stalled in the Senate.

Not being able to predict the size of the deduction from one year to the next makes it difficult for a small business to plan for expansion; many companies rely on their tax savings to fund their growth because it’s hard for them to get bank loans, says Lawrence Nannis, a certified public accountant in Waltham, Massachusetts. Many also have money set aside for taxes in case they don’t get the big deduction, and that’s money they can’t use to buy equipment.

The owners of Hobby Works, a chain of four stores in Maryland and Virginia, want to open more locations but have been stymied because they can’t plan ahead, co-owner Mike Brey says.

Even if the deduction for 2015 does turn out to be $500,000, he can’t buy all the necessary showcases to outfit it by the end of the year — the tax law requires equipment to be delivered and in use by Dec. 31 in order to qualify for the deduction. And he can’t start a search for a location unless he knows he’ll get the tax break.

“You can’t wake up in the morning and say, ‘I’m going to open a store tomorrow,'” Brey says.

Small businesses that sell equipment also are affected. Sales at farm equipment seller St. Joseph’s Equipment are down 15 percent to 20 percent this year, and chief financial officer Sherry Wuebben says the uncertainty about the Section 179 deduction has kept farmers from buying.

“If they had known (a $500,000 deduction) was coming, they would have been visiting us,” says Wuebben, whose company is based in LaCrosse, Wisconsin. Her company’s equipment including tractors, combines and threshers ranges from $25,000 to $500,000.

The uncertainty has had business owners peppering small business advocacy groups for updates.

“I’ve been getting calls asking, ‘is anything going to happen?'” says Cynthia Kay, a vice chairwoman of the National Small Business Association, and owner of a media production company based in Grand Rapids, Michigan.

In her own business, Kay has already bought a $20,000 computer server and cameras that run between $15,000 and $20,000 apiece, but she needs more equipment and will buy it if Congress raises the deduction. In past years, she delayed her purchases to see how large the deduction would be, but she decided this summer she couldn’t wait to see what happened by year-end.

“If I don’t make some bold moves, the business is going to be at a disadvantage,” Kay says.

 

Small business owners: No health rate relief in sight

Insurance Business Magazine

Dec. 1

A new survey released by the advocacy group National Small Business Association reveals that 90% of small business owners said their costs are up in 2015 over the last year, and 84% expect to pay more in 2016. Many trace this increase in rates to the advent of the Affordable Care Act in 2010.

Perhaps as a result of these rate hikes, the number of companies offering health benefits to their employees fell 5% to 65% this year from 2014. The largest decline was among companies with 10 to 20 employees – 73% are offering benefits this year as opposed to 86% who offered benefits last year.

Still, the vast majority of small businesses are committed to offering health benefits to their workers. Nearly 94% believe offering health insurance is important to recruit or retain top workers, and nearly half provide health insurance to more than 80% of their workers.

That belief is preventing small business owners from passing on those cost increases to their employees. Fewer owners than ever before are considering this path, with just 34% saying they’re thinking of increasing employee contributions – down from 42% in 2014.

 

Small Businesses With a Big Stake in the Pacific Trade Deal

Wall Street Journal

Nov. 26

According to a 2013 survey by the National Small Business Association, 63% of non-exporting small- and medium-size enterprises said they would be interested in exporting, up from 43% in 2010. And a recent report by Babson and Baruch colleges notes that 75% of U.S. entrepreneurs under 35 already use the Internet to sell products and services, making them prime candidates for global e-commerce.

 

Washington small businesses are bucking this national insurance trend

Puget Sound Business Journal

Nov. 18

The National Small Business Association survey found that 65 percent of small businesses offered health insurance for employees this year, down from 70 percent last year, and it’s an even more significant drop for very small companies.

Small business health costs: Up this year and next?

Associated Press

Nov. 18

The vast majority of small businesses are paying more for health insurance for their employees under the health care law, and many expect their costs to keep going up next year, according to a survey by the advocacy group National Small Business Association.

Ninety percent of the 810 owners surveyed said their costs are up in 2015 over last year, and 84 percent expect to pay more in 2016. (more)

Fewer small businesses offer health insurance as cost keeps rising

American City Business Journals

Nov. 11

Fewer small businesses offered health insurance to their employees this year, and more are considering dropping it next year due to rising costs.

That’s according to a survey of 810 small businesses conducted recently by the National Small Business Association. It found that 65 percent offered health insurance this year, down from 70 percent the year before. (more)

From Breach Coaches to VPNs: How Small Businesses Can Protect Their Data

TravelMarket.com

Nov. 16

Indeed, Mom-and-Pop businesses, like many travel agencies, are especially vulnerable to data breaches. A 2013 National Small Business Association study found that nearly half of small businesses have been victims of a cyber-attack, and that it cost them an average of $9,000.

Three baseline IT security tips for small businesses

Tech Republic

Oct. 29

According to the National Small Business Association 2014 year end report, both the frequency and cost of small and middle-market business hacks are on the rise. In 2013 the cost of an average cyber-attack for a small business was just over $8,000 per attack. In 2014, that number jumped to over $20,000.

House votes to revive Export-Import Bank, but Senate path isn’t clear

American City Business Journals

Oct. 27

Business groups ranging from the National Association of Manufacturers to the National Small Business Association have been lobbying Congress to reauthorize the Export-Import Bank. They contend U.S. exporters are losing overseas deals to foreign competitors who have access to financing from their countries’ export credit agencies.

How Big Government and Big Business Stick It to Small U.S. Businesses

The Daily Beast

Oct. 25

Only 35 percent of small-business owners, according to a recent survey by the National Small Business Association, express optimism about the economy.

Five EMV Myths: Are You Ready for the Liability Shift?

Apparel

Oct. 1

In fact, the National Small Business Association’s technology survey found that almost half of respondents had been targeted by hackers. While large businesses often make headlines when hacked, many small businesses suffer behind the scenes.

Congress foolishly limits power of Export-Import Bank to help U.S. businesses

Tampa Tribune

Sept. 27

Indeed, it actually helps the private sector, providing guarantees to private banks for loans to exporters, and 98 percent of its deals include partnering with a private bank, according to the National Small Business Association.

Congress must reward, protect U.S. inventors

The Journal-Times

Sept. 122

Fortunately a coalition of groups from across the spectrum have come together to oppose the omnibus legislation — including the Association of American Universities, Pharmaceutical Research and Manufacturers Association, the National Small Business Association, the National Venture Capital Association, the Club for Growth Heritage Action and others who are trying to amend the bill.

More exports mean more jobs: Renew Ex-Im charter

Sept. 8

By: Rep. Carolyn Maloney (D-N.Y.)

The National Association of Manufacturers, the National Small Business Association, the Financial Services Roundtable and the Chamber of Commerce all support reauthorizing Ex-Im. The Chamber has organized a letter in support of Ex-Im signed by more than 1,000 American businesses and associations.

 

Overtime angst: New rules from the U.S. Department of Labor up the ante in employer liability, change classifications

Crain’s Detroit

Aug. 23

The Small Business Association of Michigan and National Small Business Association have estimated that the overtime rule could cost a small business an average of $100 to $600 in direct costs and $320 to $2,700 in new payroll costs per employee within the rule’s first year and could lead to additional administrative costs from scheduling and monitoring employees who are overtime-eligible.

The proposal “will have a significant negative impact on small business and startups. This rule change affects both flexibility on how a small business operates but also adds costs to their day-to-day balance sheet,” SBAM President and CEO Rob Fowler said in a statement to Crain’s. “This would be a significant new challenge for job creation right at a time when we are starting to see a real recovery in Michigan and new employment opportunities.”

 

Hacking a big danger for small businesses

Associated Press

Aug. 19

THE costs associated with computer and website attacks can run well into the thousands and even millions of dollars for a small company. Many small businesses have been attacked – 44 per cent, according to a 2013 survey by the National Small Business Association, an advocacy group. Those companies had costs averaging $US8,700

 

Pittsburgh’s small businesses face slew of new obligations

Pittsburgh Post-Gazette

Aug. 19

“If you were to poll the average business owner on all of these and ask them if they are real, they would probably check one or two and put question marks next to the rest,” said Marilyn Landis, founder of Basic Business Concepts on the North Side and former chair of the National Small Business Association.

 

Small-business owners’ optimism bumping along

Associated Press

Aug. 11

The survey was in line with others showing a dip in optimism about the economy, but that owners feel confident about their companies. A semiannual survey released by the advocacy group National Small Business Association last month showed nearly three-quarters of the 625 owners questioned are confident, unchanged from late last year. Three-quarters expect the economy to be flat or recessionary in the next year.

 

Online Lending Basics for Small-Business Loans

NerdWallet

Aug. 4

Online lending is still nascent, but it’s growing fast. Two percent of small businesses have used online lenders in the past year – up from 1% last year – according to a July 2015 report by the National Small Business Association. The online small-business loan dollars outstanding is doubling every year, while outstanding small-business bank loans are in decline, according to a 2014 Harvard Business School working paper.

 

Congress fails to revive Export-Import bank: How will it impact US businesses?

Christian Science Monitor

July 30

“As businesses owners looking at the bottom line and responsibility to shareholders, they’ve [big businesses] got to be looking at leaving. It would be foolish not to. We have to expect that larger companies are going to look at going overseas,” says Molly Day, Vice President of public affairs at the National Small Business Association.

“While the direct impact for small businesses using Ex-Im is that they won’t be able to get their jobs done, when you’re looking at a Boeing or other big businesses that can move operations overseas, there are a ton of small businesses and their supply chains that are going to be impacted by that, too,” she adds, noting that the NSBA’s small business members voted the Ex-Im among their top ten priorities. “So it’s not just Boeing cutting workers and moving operations overseas, it’s also how many small businesses are going to be impacted by no longer having those contracts with Boeing.”

 

Small businesses expect flat economy over next 12 months

NBC 9News – Denver

July 30

More than half of small business owners expect the economy to be flat over the next 12 months, according to a survey conducted this summer by the National Small Business Association.

That compares with 28 percent who expect the economy to grow and 19 percent who think another recession is coming.

Despite this less-than-bullish outlook about the overall economy, 57 percent of small business owners expect their sales to grow over the next 12 months, and 49 percent expect higher profits. Plus, 33 percent expect to add more workers. More than 70 percent are confident about the future of their businesses.

Economic uncertainty topped the list of challenges for their businesses, followed by the cost of health insurance, regulatory burdens, a decline in customer spending and lack of qualified workers.

 

Small businesses expect flat economy over next 12 months

Boston Business Journal 

July 30

Despite this less-than-bullish outlook about the overall economy, 57 percent of small business owners expect their sales to grow over the next 12 months, and 49 percent expect higher profits. Plus, 33 percent expect to add more workers. More than 70 percent are confident about the future of their businesses.

Economic uncertainty topped the list of challenges for their businesses, followed by the cost of health insurance, regulatory burdens, a decline in customer spending and lack of qualified workers.

Small business owners are almost as worried about inflation as they are about rising interest rates, the survey found.

Nearly 70 percent said they’ve been able to obtain adequate financing for their businesses, down slightly from a year ago.

 

Why Isn’t Access to Credit for Small Business Improving in 2015?

Entrepreneur

July 28

In that piece last year, I expressed concern about the “choke point” in small business financing. I’m still concerned. The 2014 Year-end Economic Report of the National Small Business Association cites an uptick in small business owners’ overall positivity about the economy, but also notes that “nearly one in five small firms cannot meet increased sales demand due to inability to garner financing.”.

 

Clinton as champion of small business? That’s Hill-arious

Fox News

July 24

survey released by the National Small Business Association in 2014 found that complying with Obamacare costs a small business, on average, more than $15,000 a year.

 

What Goldman Sachs Is Getting Right About Small Businesses

Inc.com

July 8

By way of comparison, 45 percent of businesses surveyed by the National Small Business Association in its annual report for 2014 increased revenues for the year, and just 22 percent of businesses added employees.

 

5 tips to protect your business against cyber crime

The Tennessean

June 19

There’s a misconception that larger companies, like the Targets and Home Depots of the world, are more likely to be the target of an attack. But, according to the National Small Business Association, 44 percent of small businesses have experienced a cyber attack.

 

After Obama Trade Setback, Small U.S. Companies to Put Overseas Plans on Hold

Wall Street Journal

June 12

Molly Day, a spokeswoman for the Small Business Exporters Association, said the failure of Congress pass a package of trade legislation on Friday was “bad for small business.”

Led by Democrats, lawmakers voted down legislation aimed at assisting U.S. workers displaced by global trade, putting into jeopardy separate legislation that empowers the president to negotiate tamper-proof trade deals–known as trade promotion authority, or TPA. A second vote on the workers-aid bill is expected early next week.

“Absent TPA, the U.S. has extremely limited ability to work with other countries in crafting trade deals which are of huge benefit to small firms and reduce many regulatory burdens faced when trying to conduct business overseas,” Ms. Day said.

 

Hackers Go After Little Fish, Too, While Trawling for Credit Cards

New York Times

June 10

Still, half of 675 small businesses surveyed by the National Small Business Association reported being victims of hackers’ attacks last year, up from 44 percent in 2013. And of those companies that reported being hacked last year, 68 percent said they had been victimized at least twice.

 

Circle ID

3 Key Steps for SMBs to Protect Their Website and Critical Internet Services

June 5

The National Small Business Association (NBSA) recently released a report revealing that half of all small businesses have been the victim of a cyber-attack — and the cost of dealing with these attacks has skyrocketed to $20,752 per attack. In about a third of attacks, the victim’s website was taken down, often for days. The impact of such outages cannot be measured by the immediate lost revenue alone, as the long term impact of the harm to your reputation and customer loss cannot be easily calculated.

 

Wealth Adviser: Health-Care Royalties As an Income Alternative

Wall Street Journal

May 26

Why business-owner clients are a priority. There are some powerful reasons for advisers to focus their prospecting on business owners. About one in four business owners has a yearly income of at least $200,000, while just one in 17 non-business owners makes that much, Financial Advisor says. There’s also this: “Business owners by their very nature are extremely optimistic,” says Cleveland-based adviser Eric Tolbert, who is on the board of the National Small Business Association. “They always think tomorrow will be better where the general public doesn’t.”

 

Loans, taxes, regulations on small business election agenda

Associated Press

May 20

The advocacy group National small business Association wants regulations issued by federal agencies easier to be easier for small companies to comply with. Many are unclear, or are inconsistent with each other, NSBA Chairman Tim Reynolds says.

“Presidential candidates can have an enormous impact on how regulatory agencies would move forward,” says Reynolds, owner of Tribute Inc., a Hudson, Ohio, software company.

The NSBA is also looking for a president who can help a fragmented Congress end its gridlock.

“Effective leadership from the White House is all about organizing individuals on both sides of the legislature,” Reynolds says

 

Loans, taxes, regulations on small business election agenda

Associated Press

May 20

The advocacy group National Small Business Association wants regulations issued by federal agencies easier to be easier for small companies to comply with. Many are unclear, or are inconsistent with each other, NSBA Chairman Tim Reynolds says.

“Presidential candidates can have an enormous impact on how regulatory agencies would move forward,” says Reynolds, owner of Tribute Inc., a Hudson, Ohio, software company.

The NSBA is also looking for a president who can help a fragmented Congress end its gridlock.

“Effective leadership from the White House is all about organizing individuals on both sides of the legislature,” Reynolds says
Facebook gets some thumbs up for requiring vendors to pay $15/hr min wages

Washington Times

May 13

The Facebook policy is “unusual,” according to Molly Day, vice president of public affairs at the National Small Business Association. It represents “a far more involved role in the employment policies of a vendor than what most large firms currently do,” Ms. Day said.

Ms. Day, of the NSBA, said that experience shows setting thresholds can stymie growth and hiring. While a Facebook-sized company “may have the resources” to raise employees’ pay by 50 percent in a year and off paid leave and new-child benefits, “few small businesses” are similarly situated, she added.
Cybersecurity is a shared responsibility

The Daily Journal

May 12

Small- and medium-sized companies face some of the largest threats from cyberattacks. According to a survey by the National Small Business Association, half of the small business respondents said they have been victimized and the average cost of dealing with these attacks has jumped to $20,752 per attack from $8,699 two years ago. More education is needed to help small businesses combat this threat, so that they are better poised to take preventative measures against potential attacks.

 

How Healthy Are America’s Small Businesses?

Politics Cheat Sheet

May 12

In a study looking at 300 well-established small businesses in 2013, the National Small Business Association (NSBA) found that identifying and clearing workers wasn’t always a surefire process, with 20% saying they were unsure if they’d ever been given false ID from employees, and 14.8% saying they knew they had been.
For Cash-Strapped Small Businesses and Entrepreneurs, These Digital Solutions Provide Funds

Huffington Post

May 7

Partnering with Small Businesses
Another large P2P lender, Funding Circle, has partnered with the National Small Business Association (NSBA) to provide 65,000 active members with access to affordable loans and financial literacy tools. According to the company’s Co-Founder and U.S. Managing Director Sam Hodges, America’s 28 million small businesses deserve a better lending experience than what is currently available.

“Successful and established businesses shouldn’t have to scramble to access affordable financing that is critical to growing their business,” Hodges said. “Our partnership with the NSBA will connect more entrepreneurs directly with the capital they need to grow, hire more people and stimulate their local economies,” Hodges said. Funding Circle has funded over $1 billion in loans to 8,000 small business in the UK an the US.

 

Big issues weigh on Main Street heading into 2016

CNBC

May 4

“A big problem throughout the Great Recession that continues today is overall access to capital,” said Tim Reynolds, chair of the nonpartisan National Small Business Association and owner of Tribute, a small software company in Ohio.

 

Facebook Has 40 Million-Plus Small Business Pages

Forbes

April 30

The NSBA (National Small Business Association) last did their technology survey in 2013, but you can download their PDF here. It still offers some useful information. In that survey, they found that 16 percent were manufacturing businesses.

 

Top 4 risks facing your business this year

The Tennessean

April 23

You’ve probably heard about the Target, Home Depot and, most recently, Anthem cyber attacks. Since it’s typically the breaches of large, public companies that are publicized, many small and midsize businesses think they are safe from hackers. But, according to the National Small Business Association, 44 percent of small businesses have experienced a cyber attack and each incident cost the business an average of about $9,000.

 

Small Business Finds Its Voice on Free Trade

Bloomberg

April 23

Bernard is urging his congressional representative, Suzan DelBene, a Democrat, to vote for the fast-track bill. The National Small Business Association, a lobbying group in Washington, has also come out in favor of the legislation.

 

Small business leaders urge Congress to rethink cybersecurity measures

Washington Post

April 23

“It would be a step in the right direction, but not a panacea,” Todd McCracken, president of the National Small Business Association, said during a hearing held by the House Small Business Committee on Wednesday. He had been asked for his take on one of several bills teed up for a vote this week that would require businesses and governments to share details about data breaches and collaborate on ways to ward off attacks.

“Cybersecurity has emerged as a significant problem and concern for the small-business community,” McCracken said. He later added that “sharing cybersecurity information is useful, but what small businesses really need is to know how to use that information.”

His underlying point — that the government’s attempts to thwart cyber attacks must be coupled with stronger efforts to teach the business community how to detect and deal with attacks — was expressed by several experts on the panel. In other words, hacking attempts and data breaches are inevitable, they argued, especially against small businesses that criminals know are ill-prepared to defend themselves.

 

In patent debate, small inventors deserve a seat at the table

The Hill

April 15

As the Small Business Technology Council recently wrote on the legislation, “For small business, patents will become mostly unenforceable due to the proposed much higher upfront cost of litigation, thus making small business patents significantly less valuable. Loss of patent value constricts new company formation, chilling new investments, and choking job formation.”

 

Can Hillary Clinton win support from small business?

American City Business Journals

April 13

“All politicians make blunders,” said Molly Day, vice president of public affairs for the National Small Business Association.

What would help Clinton the most with small business owners is for her to actually listen to them, Day said. Small businesses don’t want to be pandered to; they want to be heard. That’s a message that any presidential candidate should take to heart.

Clinton could take a page out of her husband Bill Clinton’s playbook and announce that she would hold a White House Conference on Small Business, where representatives from across the ideological spectrum would gather to discuss policies that would benefit small businesses. The last one of these conferences was held in 1995, and was “kind of a pivotal moment” for how Bill Clinton was perceived by small businesses, Day said.

 

Statistically speaking: Most owners hire someone to do their taxes

News & Observer

April 13

Wednesday is April 15 – tax day – and according to the National Small Business Association’s 2015 Small Business Taxation Survey, 49 percent of owners file and pay by the deadline, while 27 percent file on time but request a payment extension. Here’s more from the report.

22% Owners who spend at least 120 hours a year dealing with their federal taxes.

85% Owners who have an accountant or tax practitioner handle their company’s taxes.

28% Owners who spend $1,001 to $5,000 a year on the administration of federal taxes.

25% Those who spend one to two hours each month on the administration of sales tax
What’s worse than paying taxes? Doing them, small businesses say

American City Business Journals

April 8

For most small businesses, doing taxes is more painful than paying taxes.

That’s according to this year’s National Small Business Association survey of small business owners on taxation issues. It found that 59 percent cited administrative burdens as the biggest challenge they face when it comes to federal taxes. That’s up from 53 percent a year ago.

The financial cost of taxes was cited as the biggest challenge by 41 percent of small business owners this year.

The complexity of the tax code is one reason why 85 percent of small businesses hire an accountant or other external tax practitioner to handle their taxes vs. doing them in-house. It also helps explain why 40 percent of small businesses get an extension for filing their taxes.

 

Is Your Small Business at Risk for a Cyber Attack?

Fox Business

April 7

Cybersecurity is in the news lately, with President Obama recently proposing legislation that would set federal standards for notifying consumers about data breaches. Consumers aren’t the only ones worried about a cyber attack: Small business owners, too, are concerned, says a recent report from the National Small Business Association.

More than nine out of 10 small business owners in the study cited cybersecurity as a concern. This is not an unfounded fear: Half of them report they’ve already suffered a cyber attack, with 61 percent of those attacks taking place in the last 12 months.

What happened to these entrepreneurs as a result of the attack? A service interruption was the most common problem, followed by the business website going down. In addition, 19 percent had either their business credit cards or bank account hacked.

The cost of cyber attacks is also on the rise. In 2014 the average cyber attack cost a small business $20,752, a substantial increase from the average of $8,699 an attack cost businesses in 2013.

 

Strong dollar puts pressure on ‘Made in USA’ manufacturers

CNBC

April 6

American manufacturers may be trying to beef up their domestic operations to find new sources of clients,” added Molly Day, a spokeswoman for the Small Business Exporters Association of the United States.

 

Obamacare: Not as Bad as It Could Have Been, But Still Awful
National Review

March 25

A survey by the National Small Business Association, for instance, found that 33 percent of small employers said they were not growing, due to the ACA; 14 percent were hiring more part-time workers; and 10 percent were reducing employee hours.

 

Small Businesses Must Export East to Maintain US Leadership

Huffington Post

March 23

In the National Small Business Association’s 2013 Exporting Survey, more than 85 percent of respondents said their company benefited from free trade agreements.

 

Business visits, focus on ISIS portend McCain 2016 run

Phoenix Business Journal

Feb. 20

McCain, 78, visited the new Phoenix manufacturing plant for Reynaers, Inc., a Belgian manufacturing company and spoke before the National Small Business Association’s annual meeting in Phoenix.

 

Cyber Attacks: Not Just a Problem for Governments and Giant Companies Anymore

Inc. Magazine

Feb. 20

Entrepreneurs are more optimistic than they’ve been in years, but that doesn’t mean you ought to rest easy.

Lingering questions regarding consumer spending weakness, government gridlock and worldwide economic uncertainty are surely weighing heavily on your mind these days. Plus, it’s increasingly evident that cyber attacks are no longer just a problem for giant companies.

This was the general sentiment that emerges from the National Small Business Association’s year-end economic report for 2014, out on Thursday. NSBA is a centrist small business advocacy group based in Washington, D.C.

 

Why small business groups are (nearly) united around the Keystone pipeline

Washington Post

Feb. 13

The National Small Business Association, another business lobbying group, has steered clear of taking a position specifically on the Keystone pipeline. However, in documents outlining its energy policy priorities for the year, the the group included the promotion of more adequate and affordable energy and a reduction in dependence on “unstable, unreliable and hostile foreign energy sources” among its objectives.

“To the extent that domestic energy sources are not adequate, then every reasonable measure should be taken to purchase our energy from allied trading partners,” NSBA executives wrote in the document.

 

 

 

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