No-Code Apps for Small Business: Complete Guide to Digital Transformation

No-Code Apps for Small Business: Complete Guide to Digital Transformation

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AppStruct Team
@app_struct

Why Small Businesses Need Custom Apps in 2025

Your customers are on their phones. Your competitors are launching apps. And you're still relying on phone calls, spreadsheets, and manual processes.

But here's what's stopped you from building an app:

  • ❌ "I can't code"
  • ❌ "Developers cost $50,000+"
  • ❌ "I don't have time to learn technology"
  • ❌ "My business is too small for an app"

Every single one of these barriers is gone in 2025.

Small businesses worldwide are building custom apps in days, not months, for hundreds, not hundreds of thousands of dollars—without writing a line of code.

This guide shows you exactly how, with real examples from businesses like yours.

What You'll Learn

  • ✅ Which apps make sense for your business type
  • ✅ How to build them without coding
  • ✅ Real ROI from small businesses using apps
  • ✅ Step-by-step implementation plans
  • ✅ Costs and timelines (realistic expectations)
  • ✅ Common mistakes to avoid

Reading time: 18 minutes
Potential value: $10,000-100,000+ in increased revenue

Part 1: Apps That Transform Small Businesses

Restaurants and Cafes

Customer-Facing Apps:

Online Ordering App:

  • Problem solved: High commissions (30%) to DoorDash/Uber Eats
  • Solution: Own ordering app (keep 100% of revenue)
  • Features: Menu, ordering, delivery tracking, loyalty program
  • ROI: Save $2,000-5,000/month on third-party fees
  • Build time: 1-2 weeks with AppStruct

Table Reservation App:

  • Problem solved: Manual reservation management, no-shows
  • Solution: Automated booking with confirmations
  • Features: Real-time availability, booking, SMS reminders
  • ROI: Reduce no-shows 40%, increase table turns 15%
  • Build time: 3-5 days

Loyalty Program App:

  • Problem solved: Paper punch cards lost, no customer data
  • Solution: Digital rewards tracking
  • Features: Points accumulation, rewards redemption, push offers
  • ROI: 25% increase in repeat customers
  • Build time: 3-7 days

Real Example - Pizzeria (São Paulo, Brazil):

  • Built ordering app with AppStruct in 10 days
  • Cost: R4,500/year(4,500/year (900) vs R$30,000+ traditional
  • Results: 45% of orders through own app (vs delivery platforms)
  • Saves R$8,000/month in commissions
  • ROI: 2,133% in Year 1

Salons and Spas

Booking and Client Management:

Appointment Scheduling App:

  • Problem solved: Phone call interruptions, double bookings, no-shows
  • Solution: Self-service booking with automatic reminders
  • Features:
    • Service catalog with pricing
    • Stylist selection
    • Calendar availability
    • Booking confirmations (SMS/email)
    • Automatic reminders
    • Reschedule/cancel functionality

Results:

  • 60% reduction in no-shows (automated reminders)
  • 30% more bookings (24/7 availability)
  • 3 hours/day saved on phone bookings
  • 25% revenue increase from optimized scheduling

Build time: 5-7 days with AppStruct
Cost: 540/yearvs540/year vs 3,000-8,000 traditional booking software

Client Loyalty App:

  • Track visit history
  • Points for services
  • Birthday rewards
  • Referral bonuses
  • VIP tiers

Retail Product Recommendations:

  • Track products purchased
  • Suggest home care products
  • Automate reorder reminders
  • Commission from product sales

Real Example - Beauty Salon (Los Angeles):

  • Owner built app herself (no tech background)
  • 8-day build time
  • Features: Booking + loyalty + product shop
  • Results: $12,000/month additional revenue
  • 200+ app users (85% of client base)
  • Paid off in first month

Retail Stores

Inventory and Sales Apps:

Inventory Management:

  • Problem solved: Lost sales from stockouts, over-ordering
  • Solution: Real-time inventory tracking
  • Features:
    • Barcode scanning
    • Stock levels by product/location
    • Low stock alerts
    • Reorder point automation
    • Supplier management

Mobile POS (Point of Sale):

  • Problem solved: Expensive POS systems, no mobility
  • Solution: Tablet-based sales system
  • Features:
    • Product catalog
    • Shopping cart
    • Payment processing (Stripe)
    • Receipt generation
    • Sales reporting

Build time: 1-2 weeks
Cost: 900/yearvs900/year vs 1,200-3,600/year for traditional POS

Customer App:

  • Browse products
  • Check in-store availability
  • Reserve items
  • Loyalty program
  • Exclusive offers

Service Businesses

For Plumbers, Electricians, Cleaners, etc.:

Field Service Management:

  • Problem solved: Disorganized scheduling, lost invoices, poor communication
  • Solution: Complete job management system
  • Features:
    • Job scheduling
    • Customer information
    • Service history
    • Invoice generation
    • Photo documentation
    • GPS and routing
    • Payment collection

Results:

  • Complete 2-3 more jobs daily (better routing)
  • Get paid faster (on-site payment processing)
  • Professional image (custom app vs pen/paper)
  • Customer retention increases 30%

Build time: 2-3 weeks
Cost: 900/yearvs900/year vs 50-150/month for field service software ($600-1,800/year)

Customer App:

  • Request service
  • View service history
  • Reschedule appointments
  • Pay invoices
  • Leave reviews

Fitness Studios and Gyms

Member Management:

Class Booking App:

  • Problem solved: Manual sign-ups, capacity management, no-shows
  • Solution: Automated class registration
  • Features:
    • Class schedule
    • Capacity limits
    • Waitlist management
    • Booking confirmations
    • Cancellation handling
    • Late cancellation fees

Membership Management:

  • Member profiles
  • Membership types and billing
  • Check-in tracking
  • Attendance reports
  • Automated billing
  • Expiration reminders

Build time: 1-2 weeks
Cost: 900/yearvs900/year vs 3,000-10,000/year for gym management software

Real Example - Yoga Studio (Berlin):

  • 35 classes/week, 300 members
  • Built app in 2 weeks
  • 75% of bookings now through app
  • No-shows reduced from 18% to 6%
  • €15,000/year saved vs commercial software
  • Can update class schedule herself instantly

Part 2: ROI Analysis for Small Businesses

Calculating Return on Investment

Formula:

ROI = (Revenue Gained - Cost) / Cost × 100

Example:
  Revenue gained: $24,000/year
  App cost: $1,000
  ROI = ($24,000 - $1,000) / $1,000 = 2,300%

Real ROI Examples

Restaurant Ordering App:

Costs:

  • AppStruct: $900/year
  • Domain: $12/year
  • Total: $912

Revenue Impact:

Before: 100% orders through DoorDash (30% commission)
  Monthly sales: $20,000
  Commission paid: $6,000/month = $72,000/year

After: 40% through own app (0% commission)
  Own app sales: $8,000/month × 0% = $0 commission
  DoorDash sales: $12,000/month × 30% = $3,600/month

Annual savings: $28,800 in commissions
ROI: ($28,800 - $912) / $912 = 3,059%

Salon Booking App:

Costs:

  • AppStruct: $540/year
  • Total: $540

Time Savings:

Before: 3 hours/day on phone bookings
  3 hours × $25/hour × 260 days = $19,500 value

After: 30 minutes/day managing app
  2.5 hours saved × $25/hour × 260 days = $16,250 value

Plus: 25% more bookings (optimized scheduling)
  10 extra bookings/month × $75 avg = $750/month = $9,000/year

Total value: $25,250
ROI: ($25,250 - $540) / $540 = 4,576%

Retail Inventory App:

Costs:

  • AppStruct: $900/year
  • Total: $900

Impact:

Before: 15% lost sales (stockouts) + 20% over-ordering (waste)
  Annual impact: -$18,000

After: Real-time inventory management
  Stockouts reduced: 15%3%
  Over-ordering reduced: 20%5%
  Annual impact: -$3,600

Savings: $14,400
ROI: ($14,400 - $900) / $900 = 1,400%

Part 3: Building Apps for Your Business Type

Step-by-Step: Restaurant Ordering App

Week 1: Planning (2-3 hours)

Day 1: Define requirements

  • Menu structure (categories, items, modifiers)
  • Ordering flow (browse → cart → checkout)
  • Delivery/pickup options
  • Payment methods

Day 2: Design database

  • Menu items (name, price, description, image, category)
  • Orders (customer, items, total, status, delivery details)
  • Customers (name, email, phone, addresses, order history)

Week 2: Building (10-15 hours)

Day 3-4: Create menu display

  • Browse categories
  • View item details
  • Customize options (size, toppings, etc.)

Day 5-6: Shopping cart

  • Add items
  • Modify quantities
  • View total
  • Apply discounts/coupons

Day 7-8: Checkout

  • Delivery vs pickup selection
  • Address entry (saved for next time)
  • Payment processing
  • Order confirmation

Day 9-10: Order tracking

  • View order status
  • Estimated delivery time
  • Driver location (if delivery)

Week 3: Testing and Launch (5-8 hours)

Day 11-12: Test everything

  • Place test orders
  • Try all menu items
  • Test payment
  • Verify order flow

Day 13: Soft launch

  • Share with friends/family
  • Get feedback
  • Fix any issues

Day 14: Public launch

  • Announce to customers
  • Add to website
  • Social media posts
  • In-store signage

Total time: 20-25 hours over 2 weeks

View restaurant app template →

Step-by-Step: Salon Booking App

Phase 1: Setup (1 day)

Database Tables:

Services:
  - service_name (Haircut, Color, etc.)
  - duration (minutes)
  - price
  - staff_can_do (relationship to staff)

Staff:
  - name
  - photo
  - specialties
  - working_hours
  - bookings (relationship)

Bookings:
  - customer_id
  - service_id
  - staff_id
  - date_time
  - status (pending/confirmed/completed/cancelled)
  - notes

Customers:
  - name
  - email
  - phone
  - booking_history

Phase 2: Build (3-5 days)

Booking Flow:

1. Customer selects service
2. Views available staff (who does this service)
3. Selects staff member
4. Views available time slots (based on staff schedule)
5. Selects date/time
6. Enters contact info
7. Confirms booking
8. Receives SMS/email confirmation

Implementation in AppStruct:

  • Create screens for each step
  • Add calendar component
  • Implement availability logic
  • Connect to booking table
  • Set up confirmation automation

Phase 3: Automation (1-2 days)

Automated Workflows:

24 hours before appointment:
Send SMS reminder to customer
Reduce no-shows

Appointment completed:
Send thank you message
Request review
Offer rebook discount

Weekly summary:
Email staff their schedule
Show upcoming week

Total: 5-8 days to complete booking system

Step-by-Step: Retail Inventory App

Core Features to Build:

1. Stock Management (Day 1-2)

Products Table:
  - SKU/barcode
  - product_name
  - current_stock
  - reorder_level
  - supplier
  - cost
  - retail_price

2. Stock Operations (Day 3-4)

  • Receive stock (increase quantity)
  • Sell items (decrease quantity)
  • Returns (adjust quantity)
  • Stock transfers (between locations)
  • Stock takes (reconciliation)

3. Alerts and Reports (Day 5-6)

  • Low stock alerts (below reorder level)
  • Stock value report
  • Sales velocity (what moves fast)
  • Dead stock report (what doesn't sell)

4. Mobile Interface (Day 7)

  • Barcode scanning (camera)
  • Quick stock lookup
  • Fast adjustments
  • Works on phone/tablet

Total: 7-10 days for full inventory system

Small business owner using technology for digital transformation

Part 4: Implementation with AppStruct

Why AppStruct for Small Business Apps

1. No Technical Skills Required

  • Visual drag-and-drop builder
  • No coding knowledge needed
  • Templates for common business types
  • Intuitive interface

2. Affordable for Small Business Budgets

Traditional development: $30,000-80,000
AppStruct: $540-900/year

Savings: 98-99%

3. Build It Yourself (Control & Speed)

  • Make changes yourself instantly
  • No waiting for developers
  • No ongoing developer costs
  • Update menu, prices, services yourself

4. Multi-Platform Reach

  • iOS app for customers
  • Android app
  • Web app for desktop
  • Telegram Mini App option

5. Everything Integrated

  • Database included (PostgreSQL)
  • Payment processing (Stripe, PayPal)
  • SMS/Email notifications
  • Customer management
  • Reporting and analytics

Start building your business app →

Common Small Business App Features

Must-Have Features:

User Accounts:

  • Customer profiles
  • Login/signup
  • Password reset
  • Profile management

Payment Processing:

  • Credit cards (Stripe)
  • PayPal
  • Cash on delivery (for some businesses)
  • Invoice generation

Notifications:

  • Email confirmations
  • SMS reminders
  • Push notifications (for mobile apps)
  • Updates and promotions

Reporting:

  • Sales reports
  • Customer reports
  • Inventory reports
  • Revenue tracking

Customer Support:

  • In-app contact form
  • FAQ section
  • Phone/email links
  • Chat widget (optional)

Part 5: Industry-Specific Apps

Healthcare and Wellness

Medical/Dental Practice App:

Features:

  • Appointment booking
  • Patient records (HIPAA considerations)
  • Insurance information
  • Telehealth integration
  • Prescription refills
  • Bill payment

Build time: 2-4 weeks
Cost: 900/yearvs900/year vs 5,000-15,000 for medical software

Compliance: Ensure GDPR/HIPAA compliance for patient data.

Professional Services

Consultants, Lawyers, Accountants:

Client Portal App:

Features:

  • Document sharing (secure)
  • Appointment scheduling
  • Invoice and payment
  • Project/case status tracking
  • Time tracking
  • Communication hub

Value:

  • Appear more professional
  • Better client communication
  • Reduce email clutter
  • Centralize information
  • Improve client satisfaction

Build time: 1-3 weeks
Cost: 900/yearvs900/year vs 2,000-8,000/year for client portal software

Education and Tutoring

Tutoring Business App:

Features:

  • Lesson scheduling
  • Student progress tracking
  • Assignment submission
  • Parent communication
  • Payment and billing
  • Resource library

Value:

  • Stand out from competitors
  • Better parent engagement
  • Track student improvement
  • Streamline operations
  • Scale more students

Build time: 2-3 weeks
Cost: $900/year

Home Services

Cleaning, Landscaping, Handyman:

Job Management App:

Staff Side:

  • View daily schedule
  • Get job details
  • Update job status
  • Upload before/after photos
  • Collect payment

Customer Side:

  • Request service
  • Schedule recurring
  • View service history
  • Make payments
  • Leave feedback

Build time: 2-4 weeks
Cost: 900/yearvs900/year vs 50-100/month field service software

Part 6: Real Small Business Success Stories

Case Study 1: Family Restaurant (Texas)

Business: Mexican restaurant, family-owned, 25 years

Challenge:

  • Relying on phone orders (missed calls = lost revenue)
  • Paying 30% to delivery platforms
  • No customer data or marketing capability

Solution:

  • Built ordering app with AppStruct in 12 days
  • Owner's daughter built it (college student, no coding)
  • Features: Menu, ordering, delivery tracking, loyalty

Costs:

  • AppStruct: $900/year
  • Domain: $12/year
  • SMS service: 30/month=30/month = 360/year
  • Total: $1,272

Results (12 months):

  • 35% of orders through own app
  • Commission savings: $31,500/year
  • Customer database: 2,400 emails
  • Email marketing: $4,500 additional monthly revenue
  • Total impact: $85,500 increase
  • ROI: 6,621%

Owner quote: "Best investment we made in 25 years. We now own our customer relationships."

Case Study 2: Hair Salon Chain (Europe)

Business: 3 salons in Germany, 12 stylists

Challenge:

  • Disjointed booking (each salon separate)
  • No centralized customer data
  • Manual scheduling conflicts
  • High no-show rate (22%)

Solution:

  • Built booking app connecting all 3 locations
  • Customers book any location
  • Centralized customer database
  • Automated reminders

Costs:

  • AppStruct Professional: €900/year
  • SMS notifications: €180/year
  • Total: €1,080 (~$1,150)

Results (18 months):

  • No-shows reduced: 22% → 7%
  • Revenue recovered: €42,000/year
  • Cross-location bookings: 18% (new revenue)
  • Customer retention: +35%
  • Can manage all from one dashboard

ROI: 3,788%

Case Study 3: Boutique Clothing Store (Brazil)

Business: Fashion boutique, Belo Horizonte

Challenge:

  • No online presence
  • Missing sales during business hours
  • Limited by physical location
  • Wanted mobile app but couldn't afford

Solution:

  • Built e-commerce app with AppStruct
  • Started as web app (zero download barrier)
  • Portuguese language
  • Pix and Boleto payment (critical for Brazil)

Costs:

  • AppStruct: R4,500/year(4,500/year (900)
  • Domain: R$60/year
  • Payment processing: 3% of sales
  • Total fixed: R$4,560

Results (10 months):

  • 420 app customers
  • R$12,000/month online sales (new revenue stream)
  • 24/7 sales (even when store closed)
  • Expanded to 3 nearby cities (no physical stores)
  • Total new revenue: R$120,000
  • ROI: 2,533%

Owner quote: "I built this myself with YouTube tutorials. Now I have customers in cities I've never visited."

Part 7: How Small Business Owners Build Apps

You Don't Need to Be Technical

Skills you DO need:

  • Using a computer and mouse
  • Understanding your business processes
  • Basic design sense (or use templates)
  • Willingness to learn (10-20 hours)

Skills you DON'T need:

  • Programming/coding
  • Database management
  • Server administration
  • Mobile app development

The Learning Curve (Realistic)

Week 1: Learning Basics (5-10 hours)

  • AppStruct interface tour
  • Build practice project
  • Understand components
  • Learn database basics

Week 2: Building Your App (15-25 hours)

  • Design your screens
  • Set up database
  • Connect everything
  • Add logic and workflows

Week 3: Polish and Launch (10-15 hours)

  • Testing and refinement
  • Add content (products, services)
  • Configure payments
  • Launch preparations

Total: 30-50 hours over 3 weeks

For small business owner:

  • 2 hours/night after work = 3 weeks
  • 1 full weekend day/week = 4-6 weeks
  • Hire someone: 0 hours (but costs $2-8K)

Getting Help When Stuck

Free Resources:

Paid Help:

  • Hire no-code developer: $25-75/hour
  • Pay for specific features: $200-1,000
  • Full build service: $2,000-8,000

Still 80-95% cheaper than traditional development.

Part 8: Implementation Roadmap

Month 1: Planning and Setup

Week 1:

  • Define app features (core 3-5)
  • Sketch user flows
  • Plan database structure
  • Create AppStruct account

Week 2:

  • Set up project in AppStruct
  • Choose template or start blank
  • Set up database tables
  • Add sample data

Week 3:

  • Build main screens
  • Add navigation
  • Connect UI to database
  • Basic styling

Week 4:

  • Payment integration
  • Email/SMS setup
  • Testing
  • Refinement

Month 2: Beta and Launch

Week 5:

  • Beta test with 5-10 customers
  • Collect feedback
  • Fix issues
  • Final polish

Week 6:

  • Soft launch (announce to customers)
  • Monitor usage
  • Respond to support requests
  • Make quick improvements

Week 7:

  • Public launch marketing
  • In-store promotion
  • Social media campaign
  • Email announcement

Week 8:

  • Analyze first month data
  • Calculate ROI
  • Plan improvements
  • Add features based on feedback

Month 3+: Optimization and Growth

Ongoing:

  • Monitor app analytics
  • Add requested features
  • Update content (menu, services, products)
  • Marketing campaigns
  • Collect customer feedback
  • Iterate and improve

Part 9: Common Mistakes Small Businesses Make

Mistake 1: Building Too Complex Too Soon

❌ Wrong:

  • "Let's add every feature I can imagine"
  • Takes 3 months to build
  • Never launches
  • Gets abandoned

✅ Right:

  • Start with core 3-5 features
  • Launch in 2-3 weeks
  • Add features based on real usage
  • Iterate monthly

Example: Salon owner wanted booking, CRM, inventory, marketing automation, employee scheduling. Built booking only first. Launched in 1 week. Added other features over next 6 months based on actual needs.

Mistake 2: Not Testing with Real Customers

❌ Wrong:

  • Build entire app alone
  • Launch without testing
  • Discover customers confused
  • Scramble to fix

✅ Right:

  • Test with 5-10 customers before launch
  • Watch them use it (don't guide)
  • Fix confusing elements
  • Launch with confidence

Mistake 3: Ignoring Mobile Experience

❌ Wrong:

  • Design for desktop only
  • Assume customers use computers
  • Mobile version is afterthought

✅ Right:

  • Design mobile-first (most customers on phones)
  • Test on actual phones
  • Optimize for touch
  • Fast loading on mobile data

Reality: 70-90% of small business app usage is on mobile.

Mistake 4: No Marketing Plan

❌ Wrong:

  • "Build it and they will come"
  • Launch and wait
  • Wonder why nobody uses it

✅ Right:

  • Plan marketing before launch
  • Email announcement to customers
  • In-store signage and staff training
  • Social media promotion
  • Incentives to try (discount on first app order)

Mistake 5: Choosing Wrong Monetization

❌ Wrong:

  • Charge customers to download (for service businesses)
  • Too expensive for market
  • Complicated pricing

✅ Right:

  • Free for customers to use (you benefit from efficiency)
  • Or simple pricing ($1-2 fee vs commission to competitors)
  • Clear value proposition

Example: Restaurant ordering app should be FREE for customers (you save on commissions). Salon booking should be FREE (you reduce no-shows).

Part 10: Marketing Your Small Business App

Getting Customers to Use It

Launch Week Strategy:

Day 1: Email Announcement

Subject: "Exciting News: Book/Order with Our New App!"

Body:
  - Announce app launch
  - Explain benefits (faster, easier, 24/7)
  - Include download/access link
  - Offer incentive (10% off first app order)

Day 2-7: In-Store Promotion

  • Signage at register/entrance
  • Table tent cards (restaurants)
  • Staff mentions to every customer
  • QR code to download

Week 2: Social Media Campaign

  • Post daily about app benefits
  • Show screenshots/demo
  • Customer testimonials
  • Contests (use app to enter)

Week 3-4: Incentivize Adoption

  • App-only promotions
  • Loyalty points for app users
  • Exclusive early access
  • Referral rewards

Ongoing Promotion

Monthly:

  • App-exclusive offers
  • Feature highlights
  • Customer spotlight
  • New feature announcements

Quarterly:

  • Major promotion events
  • Loyalty reward redemption
  • Special app customer appreciation

Goal: 50-70% of customers using app within 6 months

Part 11: Scaling Your Business with Apps

From One Location to Multiple

Centralized Management:

Multi-Location App Benefits:

  • Customers book any location
  • Centralized inventory (for retail)
  • Consistent branding
  • Unified customer database
  • Cross-location reporting

Implementation:

Add location_id to tables:
  - Products by location
  - Staff by location
  - Bookings by location

Allow:
  - Customers select location
  - Staff assigned to locations
  - Inventory transfers between locations

Franchising with Your App

Your App Becomes Competitive Advantage:

Franchise Package:

  • Your app (white-labeled per franchise)
  • Proven system
  • Training included
  • Support package

Franchise Fee:

  • Initial: $10,000-30,000 (includes app setup)
  • Ongoing: $500-1,000/month (app support + royalty)

Your costs:

  • AppStruct Enterprise: Custom pricing
  • Support staff
  • Ongoing development

Margin: 60-80% on franchise fees

Expanding Offerings

Use App Data to Grow:

Customer Insights:

  • What do they order most?
  • When are you busiest?
  • Who are best customers?
  • What do they ask for?

Data-Driven Decisions:

  • Add new services/products (based on demand)
  • Optimize pricing (based on purchase data)
  • Staffing levels (based on busy times)
  • Marketing focus (based on customer segments)

Example: Salon discovered via app data:

  • 60% of customers requested balayage
  • Added 2 specialists in balayage
  • Revenue increased $8,000/month from that service alone

Conclusion: Your Digital Transformation Starts Here

Small businesses with apps have distinct advantages:

  • ✅ Compete with larger chains
  • ✅ Own customer relationships
  • ✅ Operate more efficiently
  • ✅ Increase revenue 20-40%
  • ✅ Reduce costs 15-30%
  • ✅ Professional modern image

And in 2025, building an app costs:

  • $540-900/year (platform)
  • 30-50 hours (your time, spread over weeks)
  • $0 in developer fees

VS traditional:

  • $30,000-80,000 (development)
  • 3-6 months (waiting)
  • $10,000+/year (maintenance)

The question isn't "Can I afford an app?"
It's "Can I afford NOT to have one?"

Start Your Digital Transformation

Small business-friendly approach:

  1. This week: Create free AppStruct account
  2. Next week: Explore templates for your industry
  3. Week 3-4: Build your core app features
  4. Week 5: Test with customers
  5. Week 6: Launch and promote

30-45 days from start to app serving customers.

Need help deciding what to build?

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Small Business App Resources

Questions about apps for your business? Email support@appstruct.cloud


Last updated: October 2025 | Reading time: 18 minutes | For small business owners