Enova report shows 61% of small businesses use AI in Q2 2026
ENVA•Study scope
The study covered 805 borrowers. Cash-flow analysis drew on more than 3.76 million applications over 15 months.
AI adoption rises among small businesses
AI use rose to 61% from 58% in Q1, and 91% of users reported a positive business impact.
Small-business outlook and funding preferences
Enova cited an OnDeck-Ocrolus Q2 2026 report showing 93% of small businesses expect moderate-to-significant growth over the next year.
Inflation ranked as the top concern at 34%, overtaking cash flow at 30%.
Non-bank lenders remained the preferred funding source, with 75% of respondents bypassing traditional banks.
