For all small businesses, 2020 has been a year of one challenge after another. Business owners needed to be resilient, flexible and constantly reimagining their businesses by pivoting to modify their business model. With a new year, one that will offer a vaccine for COVID-19, additions to the CARES Act, one that will again see many changes in the business environment, small-business owners need to be in a position to take advantage of opportunities as they arise. In order to do that we need to be aware of the trends that will affect their ability to fulfill our value propositions.

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