Managing cash flow is an essential aspect of running a small- to medium-sized business, and business credit cards can be a valuable tool. In October, 22% of Main Street SMBs used business credit cards to face contingencies, while 15% did the same in July, and 18% did so in April. Business credit cards were used more than any other working capital solutions, such as business loans or merchant cash advances for all three months. “Main Street Health Survey Q4 2023: eCommerce Protects Main Street SMBs’ Bottom Line in a Cooling Market,” a PYMNTS Intelligence and Enigma collaboration, drew from a survey of more than 500 Main Street SMB players across the United States. The study explored the key challenges and opportunities associated with the digital transformation these businesses are facing as well as their access to credit and financial sources. The study looked at firms earning between $150,000 and $10 million in annual revenue that represented one of five different segments.