Small businesses across the country are rapidly adopting artificial intelligence (AI) and already seeing meaningful benefits, but most remain in early stages and say additional support is needed to unlock AI’s full potential, according to a new survey of small business owners from Goldman Sachs 10,000 Small Businesses Voices. The survey was conducted by Babson College and David Binder Research from Jan. 27– Feb. 4, 2026, and included small business owners from all 50 states, Washington, D.C, and Puerto Rico.

More than three-quarters of small businesses (76%) report currently using AI, with the majority stating that results have been overwhelmingly positive. Ninety-three percent of those using AI say it has had a positive impact on their business, and 84% cite increased efficiency and productivity as the primary benefit.

Looking ahead, small business owners are bullish on AI’s role in their growth: 67% expect AI to increase revenue and they largely see it as a tool to enhance their workforce. Eighty-seven percent say AI augments rather than replaces employees.

Yet a significant gap remains between adoption and full integration. Only 14% say AI is fully embedded in their core operations.

“AI is already helping small businesses compete, save time, and better serve customers — but many of us are still figuring out how to use it effectively,” said Khari Parker, co-founder of Connie’s Chicken and Waffles in Baltimore. “With the right guidance and training, AI can be transformational for Main Street.”

Many cite barriers to deeper integration, such as lack of technical expertise, difficulty choosing tools and data privacy concerns. As a result, small businesses say they need help: 73% say they would benefit from additional access to training and implementation resources.

There is also strong support for expanding access to AI education and training. Eighty-five percent said they support the AI for Main Street Act, which directs the Small Business Administration and Small Business Development Centers to help small businesses learn how to adopt AI by providing training and outreach. The bipartisan AI for Main Street Act, introduced by Congressman Mark Alford (R-MO) and Congresswoman Hillary Scholten (D-MI), passed the U.S. House of Representatives earlier this year. The companion bill in the U.S. Senate has been introduced by Senator Todd Young (R-IN) and Senator Maria Cantwell (D-WA).

“Our bill will provide training, guidance, and support to ensure more American small businesses are equipped with the tools needed to compete in today’s evolving digital economy,” said Young.

Source: Goldman Sachs Group