Columbia Montour Chamber Supports Permanent Extension of 2017 Tax Cuts
The Columbia Montour Chamber of Commerce is joining business organizations across the country in advocating for the permanent extension of key provisions from the 2017 Tax Cuts and Jobs Act (TCJA). The Chamber, aligning with nearly 500 business groups led by the U.S. Chamber of Commerce and the PA Chamber, is urging Congress to act before these tax cuts expire this year through a sign on letter sent on February 26th.
These tax provisions have played a crucial role in fostering economic growth, increasing wages, and creating jobs for businesses and workers alike. The coalition recently sent a letter to lawmakers, emphasizing the need to adopt a current-policy baseline during budget reconciliation talks. This approach would ensure businesses have the certainty needed to make long-term investments, which are essential for continued economic expansion.
Failure to extend the TCJA provisions could result in a $4 trillion tax increase for American businesses and families. The letter to Congress highlights that maintaining these tax cuts would not increase the deficit relative to current policy and would provide meaningful relief to employers and workers.
In related developments, the U.S. House of Representatives recently passed a budget resolution that includes a framework for $4.5 trillion in net tax cuts, alongside $2 trillion in additional spending cuts. However, concerns remain among Senate Republicans regarding the permanence of these tax measures in the House bill.
The PA Chamber has been actively engaging with lawmakers, including participating in a small business roundtable in Gettysburg with Congressman John Joyce (PA-13). During this event, Pennsylvania business owners voiced their support for extending the TCJA tax cuts and shared firsthand accounts of how the provisions have benefited their businesses.
The Columbia Montour Chamber will continue working alongside the PA Chamber and U.S. Chamber to advocate for policies that support local businesses and economic prosperity.
For more updates on this critical issue, stay connected with the Chamber’s advocacy efforts by reaching out to Chris Berleth, Chamber President and CEO. And to learn more about the State of American Business in 2025 from the U.S. Chamber.
How Small Businesses Can Lead Innovation
- Small businesses are driving innovation—embracing trends that fuel growth and resilience.
- Sustainability is a competitive edge, as eco-conscious consumers demand greener products and practices.
- E-commerce continues to grow, with social commerce and omnichannel strategies reshaping the landscape.
- AI adoption is accelerating, streamlining operations, improving customer engagement, and enhancing decision-making.
- Community-focused strategies build trust—hyperlocal marketing and partnerships strengthen customer loyalty.
635 words ~ 3 min. read
Small businesses have always been the heart of innovation, adapting quickly to change and shaping industries in unexpected ways. Now, a new wave of transformation is taking place—one driven by sustainability, evolving e-commerce strategies, artificial intelligence, and deeper community engagement. The businesses that embrace these trends won’t just survive; they’ll thrive.
Sustainability: More Than a Trend, a Competitive Edge
For years, large corporations have led the sustainability conversation, but today, small businesses are proving they can drive change just as effectively. Consumers increasingly seek out brands that align with their values, and sustainability is at the top of their priorities. According to a NielsenIQ study, 78% of consumers say a sustainable lifestyle is important to them.
For small businesses, this shift presents both a challenge and an opportunity. Those that commit to sustainable practices—whether by adopting eco-friendly packaging, reducing waste, or sourcing from ethical suppliers—are building long-term trust with their customers. More importantly, sustainability is no longer just a feel-good initiative; it’s a business advantage. Customers are willing to pay more for products they believe are making a difference, and small businesses that embrace this movement will attract and retain loyal buyers.
E-Commerce’s Continued Evolution
Online shopping has been growing for years, but in 2025, the landscape is shifting once again. It’s no longer just about having a website; it’s about being where the customers are—on social platforms, mobile devices, and in seamless digital experiences that connect online and offline shopping.
Social commerce, in particular, is becoming a dominant force. Platforms like Instagram, TikTok, and Pinterest aren’t just for marketing anymore—they’re full-fledged shopping destinations. Consumers are making purchasing decisions in real-time, influenced by creators, peer reviews, and interactive content. According to Statista, global e-commerce sales are expected to reach $7.4 trillion in 2025, and small businesses that invest in social selling, mobile-friendly platforms, and omnichannel experiences will be the ones who capture that growth.
For small business owners, this means rethinking their approach. A well-optimized website is still essential, but so is an active presence on social media, easy checkout experiences, and strategies that connect digital and physical storefronts. The businesses that get this right will stay ahead of the curve.
AI for Any Business
For many small business owners, artificial intelligence once seemed like a tool reserved for tech giants. But now, AI is more accessible than ever, offering cost-effective solutions to streamline operations, improve customer engagement, and make smarter business decisions.
AI-powered chatbots are handling customer inquiries 24/7. Automated marketing tools are crafting personalized email campaigns with just a few clicks. Even customer service and inventory management are being optimized with AI-driven insights. The businesses that embrace these tools aren’t just saving time; they’re improving customer experiences and freeing up resources to focus on growth.
Platforms like Shopify Magic, ChatGPT, and HubSpot’s AI-powered CRM are making it easier for small businesses to integrate AI without needing a dedicated IT team. The key is to start small—automating one or two repetitive tasks—and gradually expanding AI’s role in the business. Those who do will be more agile, more efficient, and better equipped for long-term success.
Community Engagement: The Power of Local Connections
In a digital world, small businesses have a powerful advantage that big corporations often struggle with: the ability to build deep, meaningful relationships within their communities. More than ever, consumers want to support businesses that align with their values and contribute to something bigger than just profits.
Small businesses that invest in their local communities—by supporting local causes, partnering with nearby businesses, and engaging in hyperlocal marketing—are earning lasting customer loyalty. A Harvard Business Review study found that 64% of consumers prefer to buy from brands that share their values. When a business is seen as a key part of the community, customers become advocates, spreading word-of-mouth recommendations that no marketing budget can buy.
The Future Belongs to Those Who Innovate
The small businesses that will thrive in 2025 are the ones that recognize these shifts and take action. Sustainability isn’t just a buzzword—it’s a business advantage. E-commerce is no longer just a website—it’s a dynamic, social, and omnichannel experience. AI isn’t out of reach—it’s an essential tool for efficiency. And community engagement isn’t just goodwill—it’s a strategic move for brand loyalty.
The question isn’t whether these changes are happening—the question is whether small business owners are ready to embrace them. The future of business is here, and it belongs to those willing to innovate.
Further Reading:
The Future of Small Business in a Digital World – Forbes
Why Sustainability Matters for Business Growth – Harvard Business Review
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The Columbia Montour Chamber of Commerce is a private non-profit organization that aims to support the growth and development of local businesses and our regional economy. We strive to create content that not only educates but also fosters a sense of connection and collaboration among our readers. Join us as we explore topics such as economic development, networking opportunities, upcoming events, and success stories from our vibrant community. Our resources provide insights, advice, and news that are relevant to business owners, entrepreneurs, and community members alike.
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Organizations and Individuals Recognized at Annual Awards Ceremony
Member businesses and individuals of The Columbia Montour Chamber of Commerce were recognized during the organization’s Annual Awards Ceremony, sponsored by PPL Electric Utilities, on Wednesday, February 27, 2025, at the Frosty Valley Resort in Danville.
Approximately 250 guests attended the evening event, which celebrated outstanding member achievements, elected members to the Board of Directors, highlighted Chamber activities of the past year, and previewed the year ahead.
The Chamber’s five annual awards were presented to organizations and individuals for their extraordinary contributions to the community. The following awards were presented:
Small Business of the Year - Sponsored by Journey Bank
Awardee: Troop 47 Trading Company
Large Business of the Year - Sponsored by Post Consumer Brands
Awardee: First Keystone Community Bank
Nonprofit of the Year - Sponsored by PNC
Awardee: The Good Samaritan Mission
Community Progress Award- Sponsored by Press Enterprise Commercial Printing
Awardee: Outta Boundz
Outstanding Citizen - Sponsored by Berwick Industrial Development Association
Awardee: Rich Kisner
The Small Business of the Year award is presented to a member business of thirty employees or fewer that has: demonstrated business or community leadership evidenced by diversification and creativity in the development of new products, services, and/or markets; demonstrated staying power and positive response to adversity; and/or demonstrated community involvement.

Scott and Annie McCarty accept the Small Business of the Year Award from Journey Bank Danville Branch Manager Kara Aurand on Thursday February 27th.
Troop 47 Trading Company- Trustworthy, loyal, helpful, friendly, courteous, cheerful, and kind. If these values sound familiar to you it’s likely that you heard them from the mouths of local Scouts. So did Annie McCarty, who, along with her husband Scott, named the Danville-based shop in honor of her father’s connections, values, and legacy in Scouting and the Danville community. Nominated for a second consecutive year, Troop 47 Trading Co., is a rally point for events in Downtown Danville, as shown by her recent Galentine’s Day event, which collected shampoo for fellow award nominee The Good Samaritan Mission. It’s a rally point for good reason - Annie knows and loves her community as much as she knows her store and her customers, having hand-picked or handcrafted every item on the shelf.
The Large Business of the Year award: This award recognizes companies with more than 31 employees that exemplify strong leadership, resilience, community involvement, and long-term success

Employees of First Keystone Community Bank accepting the Large Business of the year award at the 2025 Annual Awards Ceremony.
First Keystone Community Bank For more than 160 years, First Keystone Community Bank (FKCB) has been a pillar of strength and financial expertise in Pennsylvania with a network of branches spanning Columbia, Luzerne, Montour, and Schuylkill counties. More than just a bank, First Keystone is a true advocate for the communities it serves. Through sponsorships, charitable contributions, and active employee volunteerism, they continually support local non-profits, schools, and businesses. First Keystone Community Bank exemplifies what it means to be a true community partner—empowering individuals, strengthening businesses, and uplifting the communities it calls home.
The Nonprofit of the Year award is presented to a 501(c)(3) organization with one hundred or fewer employees that has provided diversified and creative aid to the Columbia-Montour region utilizing business, personal, and community resources.

Terry Brown, board member, Nicky Outt board chair, Carin Warton, Executive Director and Lisa McCarty, office assistant from Good Samaritan Mission accept the Nonprofit of the Year award at the Annual Awards Ceremony.
The Good Samaritan Mission For nearly three decades, The Good Samaritan Mission has been a beacon of hope for individuals and families facing hardship in Danville, Pennsylvania, and the surrounding areas. They have a strong support system—including 75 dedicated volunteers, two staff members, and the Young Samaritans middle and high school volunteer club—the organization delivers critical services to the community. The Good Samaritan Mission provides crisis financial assistance, hygiene products, clothing, and adult education workshops that address poverty. Additionally, the mission supports students in the Danville Area School District by packing 150 food bags each week for students who face food insecurity on weekends and extended breaks from school as well as providing new beds for children without adequate sleeping arrangements. In addition, the mission also supports students in the Danville Area School District and Columbia Montour Vo-Tech with tuition/educational assistance. Through these efforts and a committed network of community partners, The Good Samaritan Mission continues to make a lasting impact in Central Pennsylvania.
The Community Progress Award goes to a member business or organization that showed improvement in the internal or external appearance of a commercial property through either new construction, renovation, restoration, or remodeling, and completed that construction within the last three calendar years or by December 2023.
Outta Boundz for their facility Renovation- Outta Boundz has redefined family entertainment with its thrilling mix of upscale, gamified activities, state-of-the-art facilities, and welcoming atmosphere. Whether you're looking for a night of bowling, arcade excitement, laser tag, or hatchet throwing, Outta Boundz offers a one-stop destination for unforgettable experiences. Dhalas Robbins and his family transformed the former Skatetown Hysteria space into a modern entertainment hub, bringing upscale, gamified bowling, two-story laser tag, hatchet throwing, duckpin bowling, a full bar, and an expanded arcade to the Bloomsburg area. They also enhanced their party and event hosting services and improved the exterior appearance of their 20-year-old roller rink, making it a fresh and exciting destination for guests of all ages.
The Outstanding Citizen award is presented to an individual that is an employee or volunteer of a member organization who is involved in civic activities beneficial to the Columbia-Montour region and who projects a positive community image.
Rick Kisner - Executive Director of Community Strategies Group (CSG) in Bloomsburg, PA, is a driving force behind innovative community development and housing initiatives in the region. With a passion for creating sustainable, inclusive communities, Rich has dedicated his career to addressing critical housing, economic development, and social equity challenges. Under his leadership, CSG has expanded its reach and impact, helping individuals and families access affordable housing and resources that foster long-term stability. His work ensures that Bloomsburg remains a place where families and individuals can thrive. Rich also serves on many boards and community organizations that contribute to the overall health and wellness of our community.
The Columbia Montour Chamber of Commerce is a non-profit organization that represents more than 400 businesses and organizations from the Columbia-Montour region.
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Member News ~ February 27, 2025
Berwick Area YMCA Hosts Community Stakeholder Event
Join the Berwick Area YMCA at a Community Stakeholder event TONIGHT at the Berwick Golf Club from 5:30 - 8:30. Light refreshments and appetizers will be served.
Neighborhood Assistance Program to be held on March 19th
Join John Coates, Owner of Forest and Field, along with representatives from GMS Funding Solutions, Match Nonprofit Consulting, and the Bloomsburg Area YMCA to learn more about the Bloomsburg Area YMCA's exciting expansion and renovation project, and how your support can benefit your business through the Neighborhood Assistance Program on March 19th from 5:30-7:00 PM. Check out the informational flyer. and RSVP here.
Community Giving Foundation- YIP GRANTS OPEN NOW
Read About the Youth in Philanthropy Grant Round Here. and Apply for the Grants Here
Focus Central PA Receives New Investment
Danville, PA – Wohlsen Construction contributed a $1,000 gold level mission investment to Focus Central Pennsylvania for 2025. Their contribution supports regional economic growth by promoting the Central Pennsylvania region to attract quality investment projects that cultivate economic growth.
Higher Information Group Earns 2025 Toshiba ProMasters Elite Certification
Higher Information Group (HIG) has once again been recognized as a 2025 Toshiba ProMasters Elite Certified Dealer! This prestigious certification is awarded to select Toshiba resellers who demonstrate exceptional service, advanced training, and outstanding customer support—three critical pillars in delivering a top-tier client experience.
The Women's Center Announces Annual Report
As The Women's Center, Inc. reflects on its 50-year legacy, it remains steadfast in its commitment to serving and advocating for victims to achieve autonomy, safety, and security for themselves and their families. More details here
Learning to Love Beyond Ministry- Featured on WNEP
Did You Miss Last Week's Member News? Here's News That's Still Timely
Free Computer Classes for Seniors Offered at Area Libraries through Degenstein Grant
The regional Atlas Digital Navigator program based out of the Bloomsburg Public Library is offering a free series of technology classes aimed at empowering older adults and others with the skills needed to thrive in today’s digital world. Get more details here.
Volunteer Income Tax Assistance (VITA) is now accepting appointments!
Our VITA Program is now accepting appointments. Please let your clients know they can get their state, federal, and local taxes done for FREE. You can book appointments from now through April 5th. You can book your appointment online at https://svuw.org/vita or call (570) 416-2704 and leave a voicemail, and a VITA volunteer will return your call as soon as possible.
Villager Realty, Inc. Celebrates 2024 Achievements
Villager Realty, Inc. recently gathered to commemorate another successful year in real estate, recognizing the outstanding achievements of its agents in 2024. Learn more.
SEDA-COG Joint Rail Authority (JRA) Invests in Regional Promotion to Attract Investment in Central PA
SEDA-COG Joint Rail Authority (JRA), owner of six short line railroads in Central Pennsylvania is investing $3,750 for 2025 to support the mission of Focus Central Pennsylvania to attract investment that cultivates economic growth in Central Pennsylvania. Learn more.
Ronald McDonald House of Danville hosting Garden Party
Join the Ronald McDonald House of Danville for a captivating evening at the second annual Garden Party at Dark. Learn more here.
LCP Alumni Event
Are you a graduate of Leadership Central Penn? Meet the 2025 and connect with your classmates at an alumni event happening March 20th. Click here to register!
Sign up for Day Of Action 2025
The Susquehanna Valley United will be holding their 2025 Day of Action on April 25. Non-profits in need of volunteers can sign up now through February 28th and Volunteers can sign up through March 6th. Sign up today!
BIDA conducting Semi-Annual Wage Survey
DCDC Dueling Pianos Back April 4th
Danville Child Development Center's Annual Dueling Pianos Event is happening April 4th. Learn more.
Training Events by SBDC
PATHS offer over 50 training opportunities in February
Get PATHS training calendar here.
Save the Date for the 15th Annual ZIPD Conference
The Zeigler Institute for Professional Development (ZIPD)'s Annual conference will be November 6th and 7th. Watch for future announcements with important participant information and survey links.
Bloomsburg ArtFest Announced, Applications Live
The seventeenth ArtFest will occur on Saturday, August 23, 2025, from 10:00 AM to 5:00 PM. ArtFest showcases regional artists' original work, accompanied by local food, live music, and activities. More details here. Read the call for entries.
New Resource For State Grants
The Commonwealth Office of Digital Experience (CODE PA) recently launched a new resource to make it easier for residents, businesses, nonprofits, schools, and local governments to find and apply for grants from state agencies. Check it out here.
Geisinger New Resident Welcome Fair Happening in June
Shine a spotlight on your business or group at Graduate Medical Education’s New Resident Welcome Fair June 16. Get more details.
Stuart Tank Memorial Museum Announces Berwick WWII Weekend Dates
Join the Stuart Tank Memorial Museum July 18th - July 20th for the annual WWII Weekend in Berwick. Learn more.
SAVE THE DATE - 2025 Chamber Holiday Open House will be December 10th at the Pine Barn.
NEW MEMBER HIGHLIGHT- Fritzy’s Gun Works
Fritzy's Gun Works is a one-stop shop for hunters and firearm enthusiasts in Bloomsburg, Pennsylvania. They offer a comprehensive selection of hunting supplies, ammunition, gun accessories, and new and used firearms. Additionally, Fritzy's Gun Works provides FFL transfer services and training classes led by a certified instructor with extensive law enforcement and military experience." Check out their new online store at Fritzysgunworks.com
Member News ~ February 20, 2025
Free Computer Classes for Seniors Offered at Area Libraries through Degenstein Grant
The regional Atlas Digital Navigator program based out of the Bloomsburg Public Library is offering a free series of technology classes aimed at empowering older adults and others with the skills needed to thrive in today’s digital world. Get more details here.
Volunteer Income Tax Assistance (VITA) is now accepting appointments!
Our VITA Program is now accepting appointments. Please let your clients know they can get their state, federal, and local taxes done for FREE. You can book appointments from now through April 5th. You can book your appointment online at https://svuw.org/vita or call (570) 416-2704 and leave a voicemail, and a VITA volunteer will return your call as soon as possible.
PPL's Power Line Newsletter is out now
Check out the latest edition of PPL's Powerline Newsletter.
Bloomsburg Theatre Ensemble hosting Summer Show Auditions
Auditions for Sideways Stories from Wayside School are March 1st! Sign-ups are now open now for young actors, between 8 and 18-years-old, to try-out for the roles of students Myron, Bebe, Leslie, Rondi, Dameon, and Sammy. Sign up here to audition.
Villager Realty, Inc. Celebrates 2024 Achievements
Villager Realty, Inc. recently gathered to commemorate another successful year in real estate, recognizing the outstanding achievements of its agents in 2024. Learn more.
SEDA-COG Joint Rail Authority (JRA) Invests in Regional Promotion to Attract Investment in Central PA
SEDA-COG Joint Rail Authority (JRA), owner of six short line railroads in Central Pennsylvania is investing $3,750 for 2025 to support the mission of Focus Central Pennsylvania to attract investment that cultivates economic growth in Central Pennsylvania. Learn more.
Dine to Donate for The Women's Center Inc.
Join The Women's Center Inc. this evening for a dine to donate in Bloomsburg. Learn more.
Ronald McDonald House of Danville hosting Garden Party
Join the Ronald McDonald House of Danville for a captivating evening at the second annual Garden Party at Dark. Learn more here.
Community Care Information from the Opioid Coalition
Take advantage of resources from Community Care:
- Tips for Members Choosing and Using Telehealth
- Free RxWell App with Coaching
- What You Can Do if Waiting for Services: Tips for Members
- Referral List and Wait Time Management Best Practices
- Attend an Adult Member/Family Advisory Meeting
Classical Quartet Will Present Works by Ravel, Beethoven, and two Contemporary Composers at the Weis Center
The Weis Center will welcome classical ensemble Esmé Quartet on Friday, February 28 at 7:30 p.m. in the Weis Center Concert Hall. Learn more.
Did You Miss Last Week's Member News? Here's News That's Still Timely
LCP Alumni Event
Are you a graduate of Leadership Central Penn? Meet the 2025 and connect with your classmates at an alumni event happening March 20th. Click here to register!
Sign up for Day Of Action 2025
The Susquehanna Valley United will be holding their 2025 Day of Action on April 25. Non-profits in need of volunteers can sign up now through February 28th and Volunteers can sign up through March 6th. Sign up today!
BIDA conducting Semi-Annual Wage Survey
Grammy Nominated Jazz Drummer Comes to the Weis Center
The Weis Center will welcome Grammy nominated drummer Nate Smith on Friday, February 21 at 7:30 p.m. in the Weis Center Concert Hall. Learn more.
DCDC Dueling Pianos Back April 4th
Danville Child Development Center's Annual Dueling Pianos Event is happening April 4th. Learn more.
Training Events by SBDC
PATHS offer over 50 training opportunities in February
Get PATHS training calendar here.
Columbia County Shares Training Announcement
There will be the Disaster Mental Health (DMH) Annual Webcast: “Effective Response to Chemical Disasters: Leadership, Communication, and Lessons Learned from East Palestine.” on Monday, February 24, 2025, from 2:00 - 3:30pm, and fulfills HPP Deliverable 5. Registration is open.
Bloomsburg Children's Museum Announces February Programs
Get the schedule of programs here.
Save the Date for the 15th Annual ZIPD Conference
The Zeigler Institute for Professional Development (ZIPD)'s Annual conference will be November 6th and 7th. Watch for future announcements with important participant information and survey links.
Bloomsburg ArtFest Announced, Applications Live
The seventeenth ArtFest will occur on Saturday, August 23, 2025, from 10:00 AM to 5:00 PM. ArtFest showcases regional artists' original work, accompanied by local food, live music, and activities. More details here. Read the call for entries.
Community Giving Foundation 2025 Grant round Open Through February 28
Community Giving Foundation will launch a simplified and shortened grant application in 2025 to make the process more efficient and effective for everyone. The application period for the 2025 grant round opened on January 2, 2025, and will close on February 28, 2025. Please visit the Foundation's grant website for more information.
New Resource For State Grants
The Commonwealth Office of Digital Experience (CODE PA) recently launched a new resource to make it easier for residents, businesses, nonprofits, schools, and local governments to find and apply for grants from state agencies. Check it out here.
Geisinger New Resident Welcome Fair Happening in June
Shine a spotlight on your business or group at Graduate Medical Education’s New Resident Welcome Fair June 16. Get more details.
Stuart Tank Memorial Museum Announces Berwick WWII Weekend Dates
Join the Stuart Tank Memorial Museum July 18th - July 20th for the annual WWII Weekend in Berwick. Learn more.
SAVE THE DATE - 2025 Chamber Holiday Open House will be December 10th at the Pine Barn.
Is an Individual Coverage Health Reimbursement Account (ICHRA) Right for Your Company?
An ICHRA enables employers to allocate a fixed dollar amount to employees on a tax-free basis, which employees can use to purchase individual health insurance through the marketplace or private insurance providers. This arrangement provides a high degree of flexibility, allowing employees to choose the specific coverage that aligns with their unique health needs and family situations. For employers, this flexibility offers a valuable opportunity to design personalized benefit solutions that cater to a diverse workforce. By implementing an ICHRA, employers can offer a benefits strategy that provides value to employees while aligning with the company’s own financial and operational goals.
The first objective for a business owner is to assess whether an ICHRA is an appropriate fit for their organization. Unlike traditional group health plans, ICHRAs are often most advantageous for small to mid-sized businesses, or companies with a widely dispersed or diverse workforce. For example, in industries with high levels of seasonal or part-time workers, traditional group plans may be financially burdensome, especially if the employees have varying insurance needs. By evaluating the organization’s workforce composition, turnover rate, and budgetary considerations, decision makers can determine if an ICHRA makes sense.
One word of caution, there are complexities concerning ICHRAs that need to be fully understood before considering them as a part of any employee benefit package. It’s best to consult with a professional for advice and direction.
The Columbia-Montour Chamber of Commerce offers its members access to My Benefit Advisor as a solution for employee benefits, including voluntary offerings. For more information about My Benefit Advisor, visit our website at cmcc.mybenefitadvisor.com or contact Rob Higginbotham at (800) 377-3536.
The 2025 Small Business Landscape
Source: U.S. Chamber of Commerce
In 2025, small businesses will face a mix of opportunities and challenges in the evolving economic landscape of the United States. While the economy continues to grow, inflation and regulatory uncertainty remain key concerns for business owners nationwide.
In this CO— Small Business Update, Neil Bradley, Executive Vice President, Chief Policy Officer, and Head of Strategic Advocacy at the U.S. Chamber of Commerce, offered insights into critical issues impacting small businesses this year. Bradley’s conversation with Jeanette Mulvey, Vice President and Editor-in-Chief of CO—, offers a roadmap for small business success in the year ahead.
Navigating the economy and regulatory changes as a small business
Small businesses are facing a particularly uncertain regulatory environment under the new administration. The expiring provisions of the 2017 Tax Cuts and Jobs Act could result in significant tax increases for the 2025 tax year unless they’re extended. The Trump administration is reducing regulatory burdens in other areas, though, which Bradley believes will ultimately benefit businesses.
“We're going to … see a significant rollback in the regulatory burden imposed on businesses,” said Bradley, who cited labor laws, overtime rules, and access to credit as examples of where this is likely to happen.
The economy will remain a challenge for small businesses in 2025. Bradley noted that inflation has slowed compared to previous years, but small businesses still face rising prices.
“We had a pretty good year in terms of overall economic growth … and while we've been able to bring down the rate of increase in prices, prices are still … going up faster than we want,” explained Bradley. “I think our biggest challenge economically in 2025 is finishing the fight against inflation.”
Meanwhile, the high interest rates imposed to combat inflation are impacting small businesses' borrowing costs and access to capital.
“[High] interest rates … make the cost of capital … more expensive,” Bradley said. “It also means that the interest you can earn on deposits … is higher, and so it tends to be an incentive to reduce lending. There's just generally less credit in the economy.”
Bradley advised small businesses to stay proactive about upcoming regulatory changes, work with professional advisors to identify potential impacts on their businesses and plan ahead to minimize surprises.
Adapting to workforce shortages and tariffs
Industries like retail, health care, hospitality, and construction are growing quickly, creating numerous opportunities for small business expansion. However, demographic shifts and baby boomer retirements continue to create talent gaps.
Bradley stressed the need for immigration reform to grow the workforce.
“Your ability to expand your business, … [and] meet consumer demand today is constrained by your lack of workers,” he said. “We … need more people with legal work authorizations to be able to work in the United States, and … that means increasing legal immigration.”
Another challenge for 2025 is the potential expansion of tariffs, particularly for small businesses that rely on international supply chains. Bradley explained that tariffs add a "tax" on imported products before they even reach the market, ultimately raising prices for businesses and consumers alike.
Bradley encouraged small businesses to brace themselves against potential changes by the Trump administration by assessing their supply chains.
“Can you still afford the product? Can you pass along the costs? Can you source the product from somewhere else?” he advised.
Preparing for quick changes in tariff policies helps businesses minimize disruptions and protect their bottom line.
The opportunities and challenges of AI adoption
Small businesses are increasingly leveraging artificial intelligence for productivity and innovation, particularly in customer management, design, and operational efficiency. Bradley cited a 2024 U.S. Chamber survey that found that 40% of businesses directly use generative AI in their day-to-day operations (up from 23% in 2023), and many more are using programs built on AI.
“If you're using a … system to manage your customer database [or] do your targeted advertising, the services that you are using use AI in the background. So, virtually every small business in America today is using AI,” he said.
Bradley expressed concern over pending and potential AI regulations, such as those in Colorado and Texas, driven by uncertainty and fear of the technology's implications. He cautioned that proposals allowing customers to opt out of AI-driven services could force businesses to maintain costly, outdated systems alongside AI-powered ones.
“There [are] a lot of misguided ideas out there, particularly at the state level, that I think could be really harmful,” added Bradley.
Encouraging optimism and resilience for small businesses
Despite the challenges 2025 may bring, there are a lot of reasons to be optimistic as a small business. Bradley highlighted small businesses' resilience, innovation, and determination in the face of these obstacles.
"I am amazed by the number of small businesses that are just newly opening or growing,” said Bradley. “I'm in awe of this optimism and this vibrancy that's existing in the small business community.”
Expanding on U.S. Chamber President Suzanne Clark’s remarks at the 2025 State of American Business, Bradley emphasized the essential role of small businesses in the broader business ecosystem and why small and large businesses need each other to thrive.
“We need the innovation, the entrepreneurship, the flexibility that really shines in America's small businesses, but we also need the scale and the ability to reach national and global customer bases that America's large businesses create,” said Bradley. “It's an ecosystem that … we're proud to represent.”
CO— aims to bring you inspiration from leading respected experts. However, before making any business decision, you should consult a professional who can advise you based on your individual situation.
Learn more about the U.S. Chamber work on pro-growth tax policy by watching by the full conversation here.