Xero Small Business Insights (XSBI)
We use anonymised and aggregated data to track the performance of, and improve understanding about, small businesses.
Approach and methodology
Our analysis focuses on several core performance metrics. Learn more about our methodology
Sales growth
Key metric of small business financial performance and overall activity in the small business economy.
Time to be paid
Key metric showing how long businesses wait for payment, offering insights on customer health and cash flow.
Late payments
Key metric showing how long small businesses are waiting to be paid, past the due date for each invoice.
Jobs growth
Key metric showing small business growth and its impact on the broader economy and community.
Wages growth
Key metric showing how small business success benefits employees and flows into the broader economy.
Latest analysis
The Xero Small Business Insights program tracks performance in Australia, New Zealand, the UK, the US, and Canada. Download the latest data (ZIP file)
Australia small business insights
Measures sales growth, time to be paid, jobs growth, and wages growth
New Zealand small business insights
Measures sales growth, time to be paid, jobs growth, and wages growth
United Kingdom small business insights
Measures sales growth, time to be paid, jobs growth, and wages growth
Small business research hub
For deeper insights and analysis, explore the latest commentary, research, and data from the global small business sector.
Small business labour productivity
We track small business labour productivity across Australia, New Zealand and the United Kingdom using anonymised and aggregated data.
Commentary and research
Find the latest economic commentary and research, viewed through a small business lens.
About Xero Small Business Insights
A quick introduction to Xero Small Business Insights
Find out more about XSBI
If you have any questions about Xero Small Business Insights, reach out to us.