The U.S. Census Bureau says that small business owners in the United States filed 5.4 million new business applications in 2021, a new record. Unfortunately, according to the Small Business Administration (SBA), only two-thirds of those businesses will survive at least two years.

Score.org, the nation's largest network of volunteer, expert business mentors, says 82% of small businesses fail because of cash flow issues, which leads to credit issues and can eventually cause problems in getting approved for a loan.

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