Small businesses face many challenges. Yet most business owners say locating funding is their biggest one.1 The most common ways merchants deploy working capital are for inventory, marketing, hiring, paying their staff, and expansion or remodeling. Despite heavy competition from many different types of lenders, many small-business owners aren’t fully aware of the range of products or providers available or where to find them. Banks and lenders looking to lend money to small businesses need to be proactive to find success. To maximize their reach in this space, lenders should look to combine lead acquisition, demand generation marketing, and precision targeting and segmentation.