A new TD Bank survey reveals a significant gap between small business owners’ confidence in their financial preparedness and their actual readiness. While 94% of owners believe they’re prepared for the next 12–18 months, many would struggle after just two quarters of revenue shortfalls. The study highlights that although New York-based businesses are slightly more resilient than the national average, most still face challenges like inflation, customer growth, and the rapid evolution of AI tools. Many are turning to digital budgeting tools, loans, and financial advisors, yet underutilize expert guidance. Small business owners are encouraged to seek out trusted financial support to better navigate uncertainty and position their businesses for long-term success.