David Mitsui

I see the writing on the wall for the industry in itself.

The world around us is changing rapidly.

I think we should be open to evolving as well.

How do I feel about the market right now?

Honestly, I think it's a bit terrifying.

January, we saw 37,000 jobs added by small businesses.

That's right around the monthly average for the past year.

We don't see any evidence of any, like, bottom falling out of the small business hiring market.

Borrowing costs are going down.

And if you talk to any small business owner, they use loans to cover payroll and like basic day-to-day operations.

So those lower interest rates are oxygen for small businesses that want to grow.

A lot of times, if it's food and beverage, even if you recover it, you have to dispose of it because you've lost chain of custody.