Small and medium-sized businesses (SMBs) often face challenges related to cash availability, such as limited capital, seasonal fluctuations, and the need for expansion or investment. Credit cards with rewards are the most popular borrowing tool, as they help establish credit for the business and reduce the overall cost of operations. SMBs often use these cards to assist in making time-sensitive purchases and managing cash flow during the early stages of a business. Offering rewards for business expenses can differentiate a credit card and make it more appealing to entrepreneurs. U.S. Bank aims to cater to the unique needs of small business owners by offering a superior digital experience, tailored to their unique needs. SMB borrowing opportunities include "buy now, pay later" options, technology advancements, competition, and customer preferences. Cards and rewards programs will evolve, replacing paper checks and displacing expensive forms.