Artificial intelligence is no longer just transforming operations, it is influencing how lenders assess risk and price capital. As borrowing costs adjust and underwriting tightens, lower middle market businesses must demonstrate durable cash flow, strategic positioning, and technology readiness. In this article, we examine how AI is shaping credit markets in 2026 and what business owners should do now to secure flexibility and protect long term growth.

Private credit has become a lifeline for businesses as banks tighten lending and capital access dries up. With flexible terms, fast decisions, and tailored funding, private credit fills the critical gap left by traditional lenders. Now is the time for businesses to secure a line of credit—even if they don’t need it today—to prepare for economic uncertainty and stay resilient in a shifting financial landscape.