SMRTR AIJul 14, 2026PYMNTS

AI Is Quietly Fueling America’s Small-Business Boom

SMRTR summary

U.S. new business applications hit 5.6 million in 2025, up 24% since ChatGPT launched, with AI making it cheaper and easier to start a company. One founder, Matthew Gallagher, built a $401 million telehealth business in one year with just $20,000 and no employees, using tools like ChatGPT and Claude. AI is letting small teams do more, widening the gap between digitally savvy businesses and those slower to adopt it.

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