America’s small businesses face unprecedented challenges. Small business bankruptcy filings increased 78% over the past year, driven by impending changes to bankruptcy law and ongoing uncertainty about the overall economic outlook. Chief among these concerns is whether, when, and by how much the Federal Reserve Bank of the United States will begin cutting interest rates. Higher “Fed” interest rates mean small businesses pay more to borrow money, which directly impacts how much of each sale they get to keep for themselves. As a business owner, you indeed wish things could be easier. On the othe…