Posted by: Mike Clough | July 14th, 2009

America Runs On Small Business

American-sm-biz-smIf you follow the news lately (I don’t blame you if you don’t), you will keep hearing about companies that are “too big to fail”. I’ve got to tell you, I don’t understand this. Obviously, they are not too big to fail because that is exactly what they did. You and I had to bail them out! What happened to the consequences of making bad business decisions?

In a small business, if we make bad business/management decisions, we suffer the consequences. In fact, as many small business owners can attest to today, we often suffer the consequences of the bad decisions made by companies that are “too big to fail” as well as many government regulations and laws that were written to prevent and/or redress wrongdoing by big companies.

So what businesses are not too big to fail? Best I can tell, it must be small businesses. And why should we worry if small businesses fail? Let’s take a look at the numbers.

A recent study by the U.S. Small Business Administration’s (SBA) Office of Advocacy counted 26.8 million businesses in the United States. Of those, 99.9% have fewer than 500 employees and as such are considered small businesses. This means that only one-tenth of one percent have more than 500 employees. Yet, more notable is the fact that according to the U.S. Census Bureau, 98.2% have fewer than 100 employees. And if you are impressed with that number, you may be amazed to learn that in the same report it states that 89.3% of the businesses in America have fewer than 20 employees! Bear with me for just a moment more as I drive this point home. Even more amazing is the fact that 78.6% have fewer than 10 employees and 60.8% have fewer than 5 employees.

Are small businesses just an overflow of the work of big business or do small businesses carry their own weight? Let’s look at the facts.

According to Census Bureau data on high-patent industries, 98% of the companies patenting telecommunications technology employ fewer than 500 people. In the software publishing industry, 97% of the companies patenting software employ fewer than 500 people. In aerospace products and parts manufacturing, the percentage is 92%. In pharmaceuticals and medical manufacturing, it is 90%. In semiconductor machinery manufacturing, 87% of the companies that patent technology employ fewer than 500 people.

It appears self-evident that small business carries most of the weight when it comes to American innovation and job creation. So, why do we allow so many to fail?

Maybe because failure many times leads to innovation. According to Wall street Journal guru, Clayton Christensen, the road to innovation is paved with failure. 93% of all innovation starts off in the wrong direction. Almost everyone knows that the failure rate of small business is legendary. However, after failure, the most successful entrepreneurs keep picking themselves up and starting over until they get it right. Many big businesses keep throwing resources at failing initiatives instead of giving up and going in a different direction. Most small businesses, classically strapped for cash tend to respond quickly to failure by changing directions.

This fail-start over-fail-start over process is akin to how small children learn to walk. It is supported by what Malcolm Gladwell asserts in his best-selling book, “Outliers”. Gladwell notes that while there is an undeniable element of luck that catapults people to success in any field such as being in the right place at the right time with the right contacts and the right idea, there is something far more predictive in their stories. Gladwell sites case after case where the top people in a number of fields have invested no less than 10,000 hours to hone their craft. That’s right. Practice does makes perfect.

Perhaps another reason small businesses lead the way in innovation relates to the hard wiring of entrepreneurs. Many creative people aren’t comfortable within the rigid structure of a large company. Consequently, they either quit or they are fired. So, the impetus for starting their own business is; you guessed it; failure.

Yes, America truly runs on small business. This is why I am a small business counselor and advocate. I believe it is small business and innovation that will breath new life into our economy; not businesses that are too big to fail. The big question is what kind of impact it would have on the American economy if the billions of dollars given to the automobile manufacturers that are too big to fail were made available to our small businesses. Sure there might be a lot more business that start and fail. But, there would also be a lot more innovation.

With more available cash, government contracts slanted toward small business, or less red tape, could the small business community create as many jobs as would have been lost by GM and Chrysler if they had just shut down? I am not smart enough to answer that question but I have to think that small business would have been far more innovative.

Those that enjoyed this article, also enjoyed:
America Runs On Small Business – Part Two
America Runs On Small Business – Part Three

If you would like to contact me, you can do so by emailing me at mike.clough@bestbizpractices.org or visiting my LinkedIn page.

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Responses

A conducive environment would lead to innovation with mediocre to excellent talent, and definitely a burning need.

Great post. SMB is a vital, underappreciated resource and the key to restoring the middle class and the economy. Technology can play a huge role in making this happen.

Cloud Computing is not just for consumer services and enterprise IT. Small Business will reap big rewards from this new technology paradigm. In my blog, I look into this at some length in an article entitled “And the Small Shall Inherit the Cloud”.

http://techdivinator.blogspot.com/2009/07/and-small-shall-inherit-cloud.html

Mike
“I believe it is small business and innovation that will breath new life into our economy”

I believe as well. But there is a funding issue that is getting even more tight, especially with CIT who funds 70% of small to med. size companies cutting back up to 80% things will be getting even tighter.

Small business are what make our economy what it is, there is no question.
They need funding to grow. Factoring/Accounts Receivable Funding in many cases is the only option. That is where a funder will purchase a companies accounts receivable and give them cash with in a week rather than waiting the 30 to 60 days. This time value of money is of great value and can make a big impact. And in some cases be the only source of funding for business in todays tight lending environment.

It is certainly true that CIT Group has its share of problems. Their specialty is unsecured loans and in a bad economy, these loans are not performing well. Nonetheless, CIT have secured a $3 billion loan from private investors and plan to pay off about $1 billion in debt that matures on August 17. Unfortunately, our government has decided they are not “too big to fail” because they turned down their request for a bailout. I believe the odds as good that they will struggle through and continue forward as fail. Of course, the opposite is also true. Yet, if they do go under it will create a vacuum that hopefully someone will quickly fill. Small business needs financial support so we can rebuild what big business has destroyed.

Mike, thank you for addressing this critical issue – government IS NOT supporting small business. Studies show that small business is responsible for the majority of employment and new innovation; the engine that drives our economy. We are no longer a country that manufacturers – we are an ideas country. This administration’s single-minded focus to bail out the architects of destruction (the big banks and Wall Street to stunning profits) fails conventional logic and reason . . . unless further destruction is the intended outcome. Rather than sending our money overseas, we should be investing it where the greatest opportunity for future growth exists – with small business. Any ideas about how we remove their blinders??? My efforts to reach out to our local officials has failed miserably.

Thank you Mike for taking this bull by the horns. Government recognition of just how important small businesses are to our economic growth and stability has definately been lacking. Yet, it was the small business owners tax dollars used to bailout the “Infalliable Big Businesses.” Who in turn, terminated thousands of jobs. And where will these individuals seek employment – Small businesses or they will become smal business owners.

I think it’s easy to play the blame-game after the fact. The fact is, before the real-estate bubble burst, everybody benefited from a very loose regulatory and capital equity environment. Money was easy to come by, stoking the largesse of everybody up and down the economic food chain. Small businesses had easy access to cash the same as large companies. As consumers, we piled on the debt in the belief our homes would continue to rise in value and salaries would keep pace. We were all caught up in the party, and as long as it didn’t come to an end, nobody seemed too worried about the consequences to our national, commercial or personal balance sheets. That is until it came to an end.

While I don’t like the taste of the bitter bail-out pill we had to swallow to get through the worst part of the recession, in many respects it was the best choice among a very limited set of options in the very short time frame given to the government. Who got us into this mess, who paid the most, who benefited the most — none of it really matters now except that we must learn the hard lessons and find ways to make sure we don’t slide back into our live-for-today materialistic ways. We must find ways to add regulations that find and stop the financial abuses of the past, but those abuses are symptomatic of a national materialistic ethos gone amok. We must take care of our small businesses by doing business with them. We must do business “on-shore” and keep the dollars we have a tendency to spend with such abandon helping our local, regional and national economies. We must alter our definition of “The American Dream” so that it encompases more than just our own materialistic fantasy but embraces the good of our country’s economy, environment and integrity.

What America’s economy needs desparately is a return to moderation. Moderate growth, moderate debt, moderate investment, moderate incomes, moderate returns, moderate risk and moderate regulation. We live in a era unfortunately where each of these metrics swing from very high to very low. Moderation equals stability and that’s what we need, regardless of business size.

Mike – great article! It’s interesting how many times lately I’ve heard this same exact topic. I, myself, am a corporate refugee – by choice. I love the start-up of small business. The toughest part is always getting those first dollars in… and because of that I wanted to share something I heard about the other day: micro loans for entrepreneurs. Apparently, while this happens all of the time in 3rd world countries, banks don’t do this in our own country. For many reasons – but this gentleman found away around it, for the exact reason you espouse: Small Business Carries America.

Let’s face it – at the end of the day, it won’t be government that saves this country. It will be Entrepreneurs. They’re the ones that continuously see challenge as opportunity. They stay up late working regardless of the pay. And, they don’t ask for a bail out – they do a “figure it out.”. Then they employ people within their community.

Please pass this site on to your readers. I have no self serving interest in it other than HOPE.
http://angelsinaction.tv/

Steph, there is also http://prosper.com.

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