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According to the Federal Reserve’s 2023 Report on Employer Firms: Findings from the 2022 Small Business Credit Survey, 53% of small business owners used personal funds in response to business financial challenges in 2022. An emergency fund provides a crucial safety net, preventing business owners from tapping into personal finances and risking financial strain. Bankrate offered tips on how to establish and manage a robust emergency fund.
By Rebecca Meiser
Contributor, Commerce + Communities Today and Small Business Center
ICSC champions small and emerging businesses in getting from business plan to brick-and-mortar.
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