For small and medium-sized businesses, access to capital is no longer just about growth; it is about resilience. As economic uncertainty, elevated interest rates, and tighter underwriting standards reshape the lending landscape, business owners must take a more strategic approach to financing. Waiting until cash flow is stressed or opportunities are missed can significantly limit funding options. Today's funding environment rewards preparation, financial clarity, and the ability to move quickly. Being prepared can help you feel confident and reduce uncertainty, even in challenging markets. This guide explains how understanding recent changes in small-business funding, avoiding common mistakes, and strategic positioning can help you secure capital before conditions tighten. Why the Small Business Lending Environment Is Changing Lenders are becoming more selective. Banks, alternative lenders, and fintech platforms are reassessing risk amid economic volatility, heightened default co...