Most small businesses in the US will continue to grapple with a slower economy, inflation, supply chain challenges and labor shortages next year. But our biggest problem will be interest rates. Rates rose sharply in 2022 – in 2023 those rates are going to hurt.As recently as March, the federal funds rate, which is the rate the Federal Reserve charges banks for its money, was 0.25%. Now it’s 4.33%. During the same period of time, and because of this increase in the cost of doing business, the average prime rate...