every week brings another round of headlines declaring that ai will replace whole industries, erase entire job categories, or remake the economy overnight. the loudest takes swing between fear and fantasy, leaving small business owners caught between urgency and uncertainty. but behind the noise, the day-to-day reality looks different — quieter, more practical, and far more grounded in the work owners actually face. that’s where the real story begins: small businesses using ai not for disruption, but to reclaim time, clarity, and focus.
small business owners manage customers, staff, finances, and operations, often with limited time and support. over the past year, more of them have started using artificial intelligence as a way to optimize their time and their business. ai steps in where repetitive or analytical tasks consume time that owners would rather spend with customers and teams.
denver7 recently profiled brittany naylor, who left a fintech career to open makeshift crafts, a creative community space in westminster, colorado. to protect the calm, human atmosphere she wants in the shop, she leans on a stack of ai-enabled tools to handle sales analysis, email campaigns, and workshop logistics. she told denver7 her roughly $500-per-month mix of about 15 tools saves the business thousands of dollars in payroll and keeps staff available to curate the in-store experience instead of sitting in a back room with spreadsheets. her line was simple: she needs “good people here in the store with my customers,” and ai helps make that possible without over-hiring. denver7
that mix of pressure, constraint, and practicality is what makes current ai adoption among small businesses worth watching as a growing set of owners use automation to buy back time and attention.
how small businesses are actually using ai
the national federation of independent business (nfib) recently ran a detailed “small business and technology survey” to understand how owners are incorporating new tools, including ai. in its 2025 analysis, nfib reported that 24% of small business owners currently use ai tools such as chatgpt, copilot, grammarly, or canva in their business activity, while 76% do not. usage differs by size: about 21% of firms with 1–9 employees use ai, compared with 48% of those with 50 or more employees. nfib survey analysis
nfib also asked how owners are putting ai to work. among owners who use or plan to use ai, 29% said they rely on it for communications (emails, memos, documents), and 27% said they use it for marketing or advertising. smaller shares reported using ai for business or predictive analysis (14%), customer service (9%), accounting (4%), process automation (4%), and cybersecurity or fraud detection (4%). nfib survey analysis the pattern is clear: ai shows up first in written communication and outreach, where a system can draft content for humans to review, not in deeply regulated or fully automated tasks.
another window into behavior comes from a national survey run by reimagine main street in partnership with paypal. that survey of nearly 1,000 small business owners found that 76% were either actively using or exploring ai tools. more than 50% were exploring generative ai, and about 25% had already integrated it into daily operations. the report frames this as a shift from “should i use ai?” to “how and when should i integrate it?” driven by efficiency pressure and competitive expectations. reimagine main street survey
while these surveys focus on small firms, some of the best quantitative evidence on what ai actually does to work comes from a larger organization. a widely cited study by brynjolfsson, li, and raymond followed 5,179 customer support agents at a large software company that introduced a generative ai assistant. access to the assistant increased the number of customer issues resolved per hour by 14% on average, with gains of 34% for less-experienced agents. the study also found improvements in customer sentiment and employee retention. nber working paper “generative ai at work” bipartisan policy center summary
small business owners like brittany naylor are already adopting that logic. she uses ai-powered features in platforms like shopify and project tools like trello to pull sales trends or organize workshop data, instead of manually downloading and slicing spreadsheets. the same pattern appears in the nfib survey data: ai is most often applied where text, coordination, or basic analysis would otherwise soak up hours that small teams don’t really have. denver7 nfib survey analysis
ai adoption — the real numbers behind the noise
how ai shows up — grounded use cases
principles — where the real value unlocks
- most owners stop at writing help — low lift, low return.
- the value grows when ai touches workflows, not just text.
- start where hours disappear: scheduling, sales pulls, workshop prep.
- brittany naylor pattern — one automated loop saves days, not minutes.
- the leap comes from embedding ai inside shopify, trello, crm or pos.
- less copying, fewer tabs, fewer manual spreadsheets.
- simple rules for data handling, privacy, and human override.
- protects the business without slowing the work.
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