They are focused on marketing and sales and don't have an organized, coherent attack on collections. The great majority think the money is going to come in when it comes in.

The message is clear about the impact of energy. If by some chance the cost of oil were to reach $100 per barrel, the future for many small businesses would be uncertain.

Small business owners see Mayors and other local officials as their biggest ally. Because of this, they are the key link to helping small businesses reach their true potential.