Small business owners may be experts in their field, but they’re not always experts on bookkeeping. 41% of SMB owners use a personal credit card for business expenses. BluevineThe high percentage of small business owners seeking loans shows how hard it is to be a business owner right now. In Bluevine’s 2025 BOSS Report, 49% of SMB owners said they used their personal credit cards for business expenses in 2024. In order to qualify, respondents were screened to be U.S. adults 18 years old and over who are small business owners.