Small Business Big AI

Kim Lewis Howard

Small Business Big AI explores how artificial intelligence is transforming the entrepreneurial landscape. Hosted by Kim Lewis Howard, we provide actionable insights and practical strategies for small business owners looking to leverage AI and stay ahead in today’s competitive world.

  1. 5d ago

    Your Business Has No Memory. That Is Why the AI Keeps Failing.

    A friend spent four months and real money putting AI into her business. Good tools, the expensive ones. Last Tuesday she called to say it was confidently wrong about everything and she was about to rip the whole thing out. So I asked her one question. When your AI says this customer, where does it look? Long pause. That is the whole problem, and it has nothing to do with the model she picked. Your AI is not failing because it is not smart enough. It is failing because you handed a brilliant new hire a filing cabinet full of sticky notes and asked it to run your business. This is a build episode. No guest, no theory. I give away the eleven fields that make a business legible to a machine, all of them, on the air, with nothing to sign up for. I also tell the story of the day I found out that I did not have a book of business. I had a book of business in my head. And I say the part that is harder to say: the people who are worst at this are usually your best people, and telling them to be more organized is the wrong move. The Eleven Fields 1. Identity. Who they are, plus one identifier that never changes. Not their name. A record number. 2. Reach. How to contact them, and specifically which channel they actually answer. 3. Permission. What you are allowed to send them, on which channel, and when they told you that. 4. Source. How they found you. Not a guess. 5. Need. What they actually want, in their words, not in your product names. 6. Owner. One human being's name. Not a team. 7. Last. What actually happened the last time, and the date. A sentence, not a status. 8. Next. The next action, and the date it is due. 9. Timing. The one date when this person is actually buyable. A policy expiration, a contract end, a lease, a budget cycle. 10. Value. What they are worth, or what you expect them to be worth. 11. Proof. Where the documents live. Attached to the record, not in somebody's email. The rule that goes with them, and it is harder than the list: every interaction resolves back to a record. If it happened and it is not attached to a record, it did not happen, because in six months there will be no difference between the two. --- Q: What customer data does a small business need to capture for AI to be useful?A: Eleven fields, held in one canonical record that every person and every tool reads from. Identity, meaning who they are plus a permanent identifier that is not their name. Reach, the channel they actually answer rather than the threenumbers you have. Permission, what you may send them, where, and when they said so. Source, how they found you, not a guess. Need, what they want in their words rather than your product names. Owner, one human being rather than ateam. Last, what actually happened last time as a sentence and a date, not a status. Next, the next action and its due date. Timing, the one date when this person is genuinely buyable, such as a policy expiration, contract end, lease or budget cycle. Value, what they are worth or expected to be worth. Proof, where the documents actually live. One rule goes with the eleven and matters more than any of them: every interaction resolves back to a record, because in six months there is no difference between something that was not written down and something that did not happen. Ready to Take Action? Website and IMPACT:https://smallbusinessbigai.com/ MUSIC & SOUND CREDITS Music: "I Am with You" by Dream Cave; Epidemic Sound via iStock.com License ID: d483d505-8bd8-4b73-988f-298 Sound Effects: https://pixabay.com/sound-effects/

    Your Business Has No Memory. That Is Why the AI Keeps Failing.
  2. Sep 1

    Someone Is Going to Offer to Buy Your Business. Your Price or Theirs?

    Kim wrote a press release announcing the sale of Lewis Howard Insurance Group for eighteen times earnings. It has not happened. She wrote it because until you write it, somebody else writes it for you, and when they write it, they pick the number. Then Hal read his. One sentence, and it says something else entirely: the agency has acquired its eleventh location. Hers has a multiple in it. His has a count. Neither of them heard the difference until it was read out loud. This one is a Coffee Table Conversation with no tidy ending, because they have not tied it up at home either. Hal makes the case for going and getting the next one, from years spent in rooms with the people who write the checks. Kim worksbackwards from the number instead, and lands on the arithmetic that names the episode: a small independent shop trades at six to nine times earnings, a scaled platform at seventeen to twenty. Same industry, sometimes the same town. The hinge is Hal in the buyer's chair, saying out loud what a buyer is actually paying for. Not effort. Not how nice everybody is. What he can predict. And if the answer is trust me, I know every customer, then he is not buying a business, he is buying a job, and the day the owner leaves it walks out the door with him. Also in this episode: the x-date and the one week a year a customer is actually buyable, the reversibility rule that resolves fast thinking against careful thinking without either host losing, and the quiet part about the roll-up buyercoming to your market. He is not better than you. He has capital and a spreadsheet. And he is betting you never write down where you are going. Ready to Take Action? Website and IMPACT:https://smallbusinessbigai.com/ Kim Lewis Howard on LinkedIn:https://www.linkedin.com/in/kim-lewis-howard/ Hal Howard on LinkedIn:https://www.linkedin.com/in/halhoward/ Insurance assessment, commercialor personal lines: https://asklewishoward.com ---Q1. What is my small business actually worth, and why dobigger companies in the same industry sell for so much more? Size changes the category, not just the number. A small independent operator in insurance trades somewherearound six to nine times earnings. A scaled platform in the same industry, sometimes serving the same customers in the same town, sells at seventeen to twenty. The spread is not a reward for revenue. It is a price on predictability. A buyer paying the high end can model next year off your last three years because the records support it. A buyer looking at a business whose knowledge lives in the owner's head is not buying a company, he is buying a job, and he prices it accordingly. Two businesses can be equally profitable andequally well run and still land at opposite ends of that range. Q2. Why are private equity firms suddenly buying smallbusinesses like plumbing, HVAC, dental and insurance agencies? Because forty of them bolted together is a different asset than one of them, and the arithmetic finally works at small scale. Capital that historically ignored Main Street as too small and too owner-dependent has reversed on that view fast. In insurance there were 21 disclosed deals in the first half of this year and forecasters expect 120 to 180 over the next fourquarters. HVAC recorded a hundred and forty-nine deals last year even while industrial acquisitions overall declined. With roughly 39,000 independent insurance agencies in the United States and seven to eight hundred changing hands annually, consolidation is already underway. The buyers are not doing this because they love the trade. They are doing it because a platform sells for multiples a single shop never will. --- MUSIC & SOUND CREDITS Music: "I Am with You" by Dream Cave; Epidemic Sound via iStock.com License ID: d483d505-8bd8-4b73-988f-298 Sound Effects: https://pixabay.com/sound-effects/

    Someone Is Going to Offer to Buy Your Business. Your Price or Theirs?
  3. Aug 25

    The Most Expensive Word in AI Adoption: Resistance

    What if the biggest obstacle to AI adoption isn't the technology - but the word leaders use to describe their people? Resistance. In this Expert Spotlight, Kim Lewis Howard sits down with Dr. Tamara Bombardo-Way, founder of BrightPath Solutions and creator of the BRIGHT Framework, to explore why promising AI initiatives stall even after a company chooses the right tool, provides training and gives the rollout time. Tamara shares the story of Crestline, a small business performing testing work for the automotive industry. Its AI implementation had flatlined, and leadership believed certain employees were resisting the change. But one longtime employee wasn't really questioning the technology. She was circling the question she was afraid to ask: "What am I going to do now?" That distinction changes everything. Kim and Tamara examine the three people leaders often encounter during a technology rollout: the questioner, the quiet employee and the veteran who says yes but quietly returns to familiar ways of working. Each needs a different leadership response. Treating all three as resistant only creates more friction. Tamara also walks through her six-part BRIGHT Framework: Build strategic alignmenteinforce leadership and relationshipsmprove systems and workflowsrow people and capabilitiesarness technology and innovationhrive through continuous improvement Notice the order: technology doesn't appear until step five. Four steps happen before anyone chooses a tool. In this episode: Why AI threatens professional identity, not just individual tasks The real question hiding underneath an employee's technical objections How a skeptical employee became an advocate for an AI rollout The three common responses to workplace change Why the "counterfeit yes" often comes from a veteran who is afraid to reveal what they don't understand Why leaders must understand the existing workflow before selecting technology How the BRIGHT Framework helps organizations reduce friction Why training once is never enough How emotional intelligence becomes a hard, learnable business skill What happened when the change didn't fully take Your Monday move: Do not begin with another tool. Identify one place where work keeps getting stuck and ask the person closest to it what they are actually worried about - not simply what they think of the software. Ready to Take Action Learn more about Dr. Tamara Bombardo-Way, the BRIGHT Framework and BrightPath Solutions:https://www.brightpath-ai-solutions.com/ Connect with Tamara on LinkedIn:https://www.linkedin.com/in/tamaralbombardoway/ Watch an AI-native insurance agency being built in real time:https://AskLewisHoward.com Small Business Big AI:https://smallbusinessbigai.com/ Connect with Kim Lewis Howard on LinkedIn:https://www.linkedin.com/in/kim-lewis-howard/ --- MUSIC & SOUND CREDITS Music: "I Am with You" by Dream Cave; Epidemic Sound via iStock.com License ID: d483d505-8bd8-4b73-988f-298 Sound Effects: https://pixabay.com/sound-effects/

    The Most Expensive Word in AI Adoption: Resistance
  4. Aug 18

    Your Customer Sent a Robot to Shop You. Did You Pass?

    Somewhere this week a machine picked up a phone and called a business. It asked if they were open. It asked what something costs. It made a decision on behalf of the person who sent it, and then it hung up. There was no missed call. There was no voicemail. There was no angry review. Just a customer they will never meet. Google has started rolling out consumer assistants that callbusinesses, check inventory, compare options and complete purchases. For a hundred and one episodes this show has asked which agents you should deploy. This is the first one about the agent pointed back at you. Hal thinks this is the best news in years, and his argumentis a good one. He ran a service drive. His worst problem was never competition, it was reach, and a buyer that never sleeps and never gets annoyed is the best customer he has ever heard of. Kim does not disagree. Her problem is narrower:the machine is going to hear something when it calls, and somebody has to decide what. Then Kim reads her own number out loud. She built a smalltool that does what a customer's assistant would do and scores a business out of a hundred, and she ran it on Lewis Howard Insurance Group. Sixty-one. A C.Hours, zero out of twelve. And a robots.txt file on their own website telling every machine on earth not to read it, which nobody chose and nothing flagged.Then she ran two other agencies in the same city. They are not named. One scored a sixteen. The other returned an error and scored a zero. Lewis Howard won the block with a C. That is the frighteningpart, and it is also the opportunity, because the whole fix is publishing what is already true. Three steps, one afternoon, zero dollars. You are not late. You are early. In this Episode The call that never called back, and why nobody at that business will ever know it happened.Hal's case, at full strength: reach was always the problem, and this is a bigger market with a faster buyer.It is not the interview. It is the resume screen. Why relationship businesses are not exempt.Why hours are the number one failure, and why call us for availability reads as unknown.The eleven byte file that quietly shadowed the file that runs this entire show, and the research feed that succeeded and never arrived.THE PEAK. Sixty-one out of a hundred, hours at zero, and a robots.txt nobody chose.Sixteen and zero. What it looks like when a real business is not there to evaluate at all.Both ends of the same phone call, from an agency that lives on phone and quote.The three step fix, and why the price of being first is one afternoon.Ready to Take Action Watch an AI-native agency do this in real time:https://AskLewisHoward.comSmall Business Big AI:https://smallbusinessbigai.com/Kim Lewis Howard on LinkedIn:https://www.linkedin.com/in/kim-lewis-howard/Hal Howard on LinkedIn:https://www.linkedin.com/in/halhoward/--- MUSIC & SOUND CREDITS Music: "I Am with You" by Dream Cave; Epidemic Sound via iStock.com Sound Effects: https://pixabay.com/sound-effects/

    Your Customer Sent a Robot to Shop You. Did You Pass?
  5. Aug 11

    Stop Asking What AI Can Do. Ask What Your Staff Hates to Do.

    $12,000 to build. $350,000 a year saved. One workflow. For one hundred episodes it has been Kim and Hal at thecoffee table. On episode one hundred one, Kim brings in guest: Brandon Hurter, founder and CEO of Pivot180 AI, a consultant who deploys AI inside small and mid-sized businesses for a living. Not the theory of AI for small business. The deployment of it, the part where it has to work on aTuesday for a real company with a number attached. Brandon spent thirty years in B2B technology, most recently as chief marketing officer of an ed tech startup, where he watched AI move from a slide deck to something deployed at real scale. He left that seat in January 2026 because of a pattern he kept meeting in ordinary conversations:business owners reading every article about AI, feeling the train leaving, and having no bandwidth to figure out where to start. His answer is not a transformation. It is crawl, walk, run. One workflow at a time. What You'll Learn Why the useful gap in small business AI is not accessto tools but knowing what to point them at, and why that gap is where all the value sits.The one question that surfaces process friction instantly, when “where is your process friction?” makes an owner’s eyes glaze over.The full anatomy of a real deployment: the Raleigh lawfirm, Filevine, the two paralegal workflows, the confidence-score design that keeps the attorney in charge, and the $12,000-in, $350,000-a-year-out math.The five discovery questions to answer on a legal pad intwenty minutes, before you buy anything.The three paths to your first workflow: the AI you already own inside Google Workspace or Microsoft 365, vertical tools built for your industry, and custom builds.What AI sprawl looks like, why bolted-on tools create more work than they remove, and how to avoid buying the sexy thing your competitor mentioned at a conference.Crawl, walk, run: how to sequence AI adoption so eachworkflow pays for the next one. Ready to Take Action Brandon Hurter and Pivot180: https://www.pivot180.ai Free five-minute AI Readiness Assessment:https://www.pivot180.ai/assessment Watch what an AI-native agency looks like from the inside:https://AskLewisHoward.com Small Business Big AI: https://smallbusinessbigai.com/ Kim Lewis Howard on LinkedIn:https://www.linkedin.com/in/kim-lewis-howard/ ---MUSIC & SOUND CREDITS Music: "I Am with You" by Dream Cave; Epidemic Sound via iStock.com Sound Effects: https://pixabay.com/sound-effects/

    Stop Asking What AI Can Do. Ask What Your Staff Hates to Do.
  6. Aug 4

    Behind on AI After 99 Episodes: He Came Home with a Plan. I Came Home with a Question.

    Ninety-nine episodes of telling business owners to build theengine. Then we got on a plane. Kim and Hal spent three days in Venice Beach, California with a group of engineers and mathematicians who build AI-native operating systems for a living. They sat in the same rooms, watched the same demonstrations, and flew home on the same red-eye. He came home with a task list. She came home with a question. At dinner one night, a mathematician mentioned that his AIagent was building something on Kim's laptop, back in the hotel room, right then. She went back and opened it. Same desktop. Same icons. Nothing running. Not even a spinning circle. Hal heard that same sentence and it was the greatest news of the trip. This is the honest version of the hundredth episode, including the part where Kim names the title she promised on episode 98 and could not keep. It ends where Hal accidentally started it: with a job description, one page per person, free, and available Monday morning. In this Episode The hotel room, the laptop, and the completelyordinary explanation for why nothing was on the screen.Why Kim was watching the screen and Hal waswatching the people, and what he saw that she missed.Context rot, front matter, and why the unglamorous thing turned out to be the foundation.Hal's admission: I didn't understand anything. I just kept going with it. Ready to Take Action Watch what an AI-native agency looks like from the inside: https://AskLewisHoward.comSmall Business Big AI:https://smallbusinessbigai.com/Kim Lewis Howard on LinkedIn:https://www.linkedin.com/in/kim-lewis-howard/Hal Howard on LinkedIn:https://www.linkedin.com/in/halhoward/---Q: Where should a small business start with AI? A: Not with a tool. Start by writing a one-page job descriptionfor every person in the business, describing what they actually do all day rather than what the org chart says. Put four questions on the page: what this person touches every single day, what they do once a week and dread, what only they know how to do that nobody else could pick up tomorrow morning, and what they get asked over and over that they wish they never got asked again. That last one is usually where the money is. This costs nothing, requires no software, and can start Monday with a legal pad. It matters because you cannothand an AI system a knowledge base, a context graph, or a set of instructions until somebody has written down what actually happens inside your business. The documentation is not a prerequisite to the AI project. It is the AI project's first deliverable. --- MUSIC & SOUND CREDITS Music: "I Am with You" by Dream Cave; Epidemic Sound via iStock.com Sound Effects: https://pixabay.com/sound-effects/

    Behind on AI After 99 Episodes: He Came Home with a Plan. I Came Home with a Question.
  7. Jul 28

    If Clients Knew AI Did 80% of the Work, Would They Still Pay You?

    If your clients discovered that artificial intelligence did 80 percent of the work you charged them for... would they still pay you? Kim asked Hal for the honest answer. She got it: “Some of them wouldn't.” And clients are already asking the dangerous little question — “If AI helped you do this faster, why am I still paying the same price?” — challenging billable hours, questioning research charges, even writing AI clauses into contracts. Sooner or later, that question is coming for your invoice. ---Q: Should I tell my clients that I use AI to do their work?A: Yes — but as positioning, not confession. Transparencydoes not mean walking clients through your software stack; it means clearly stating where the value comes from: “We have developed a process that allows us to complete this faster, identify problems earlier, and create a more consistent result. The technology increases our speed. Our expertise determines what should happen next.” Clients will discover the machinery exists — from a competitor's demo, a video, or their own employee's lunch-break experiment. You don't get to choose whether they discover it; you only get to influence what the discovery means. Businesses that hide automation risk the client finding out last, which is what turns a process change into a felt betrayal. Q: What is the AI discount, and how should a service business respond?A: The AI discount is the growing client expectation that ifartificial intelligence compressed the work, the client should receive the savings — showing up as fee challenges, questioned research charges, and contract language returning “AI economics” to the buyer. The exposure comesfrom hourly pricing: if your invoice says the client is buying twelve hours and the work now takes forty-five minutes, the invoice becomes “a confession waiting to be read.” The response is not to hide the tooling but to stop selling hours: price the outcome, and build a credible explanation of what the client is actually paying for — judgment, accountability, licensed expertise, and someone who recognizes when the machine is confidently wrong — before the demand arrives. Q: How do I price my services when AI does most of the work?A: Price the outcome, not the effort. Clients were nevertruly buying hours — hours were simply the easiest thing to count. They are buying avoided mistakes, better decisions, protection, speed without recklessness, and someone credible standing beside the result. Practical sequence from the episode: rewrite one proposal this week with the hoursremoved and the outcome priced, and see what breaks — if you struggle to explain the outcome, that is useful information. Then understand your own engine before scaling the change: what it actually costs to deliver, where human time goes, where technology saves money, and where it creates new risk. You cannot price an outcome intelligently if you do not understand your own cost to produce it. Ready to Take Action Website: https://smallbusinessbigai.com/Kim Lewis Howard on LinkedIn:https://www.linkedin.com/in/kim-lewis-howard/Hal Howard on LinkedIn:https://www.linkedin.com/in/halhoward/Insurance for builders, built by builders —Lewis Howard Insurance Group opens August 2026: https://AskLewisHoward.com ---MUSIC & SOUND CREDITS Music: "I Am with You" by Dream Cave; Epidemic Sound via iStock.com Sound Effects: https://pixabay.com/sound-effects/

  8. Jul 21

    The SaaS-pocalypse Is Here: Who Gets Rich and Who Gets Erased

    Right now, all over the internet, people are celebrating.Canceling software. Screenshotting the receipts. Posting them like trophies — while the headline floats overhead: “$285 billion in software value... gone.” Everybody thinks that’s the story. It isn’t. The money didn’t disappear. It moved. And there’s a line being drawn through every small business right now:one side gets erased, the other side gets rich. In this Operator’s Playbook, Kim and Hal break down whatactually broke (per-seat pricing, not the software — an AI agent never logs in, so the seat became a tax), where the value went (down the stack, to the owned data layer and the agent loops on top of it), and the new shape of companyalready walking around: under five employees, seven-figure revenue, 60–80% margins. The dashboard was never the asset. The stuff underneath it was. Then the dividing line. Hal defends the cutters — cancelingsix unused tools is real money, this month, no consultant. Kim isn’t against the cutting; she’s against the stopping. Savings isn’t a moat. Nobody ever out-saved a competitor who out-built them. The episode turns on one question:is your business built to sell human hours that software is actively compressing, or positioned to own the automated engine of execution? The playbook lands in three moves — the Seat-to-Token audit,one owned semantic vault (last week the Archivist filled it; this week the engine runs on it), and Zero-Based Process Redesign on a single workflow. And then Kim slows down: everything she just described, she’s about to go build. This episode airs while she and Hal are on the ground in California with Science Stanley, constructing exactly this engine for their own agency — guardrails poured with the foundation, live runtime telemetry from day one. It powersLewis Howard Insurance Group, AI-native from the first policy, opening August 2026 at AskLewisHoward.com. In this Episode What the $285B headline gets wrong — value moved, it didn’t vanishWhy per-seat pricing collapsed: agents don’t log inDown the stack: the data layer and agent loops where the value landedThe new shape of company: under five people, seven figures, 60–80% marginsCutters vs. builders — and why Hal defends the cutters"Savings isn’t a moat” — the one moment wheredefense losesAgent sprawl: six agents with no shared truth is chaos on autopilotThree moves: Seat-to-Token audit · one semantic vault · redesign one workflow from zeroThe California build: Kim and Hal fly out to construct their own engine — it airs while they’re on the groundLewis Howard Insurance Group: insurance for builders, built by builders — opens August 2026--- Q: What is the Saaspocalypse?A: The Saaspocalypse is the ongoing correction in thesoftware-as-a-service industry — roughly $285 billion in SaaS market value lost as per-seat subscription pricing collapses. The cause is AI agents: an agent doesn’t log in, so paying per human seat became an inefficiency tax. SaaS multiples compressed to around 23x earnings, legacy vendor growth decelerated toward 10% a year, and buyers began demanding usage- and outcome-based pricing. But the value didn’t vanish — it moved down the stack, from rented dashboardsto the owned data layer and the agent loops that run on it. For small businesses, that makes the Saaspocalypse a construction event, not a cancellation event. --- MUSIC & SOUND CREDITS Music: "I Am with You" by Dream Cave; Epidemic Sound via iStock.com Sound Effects: https://pixabay.com/sound-effects/

Ratings & Reviews

5
out of 5
6 Ratings

About

Small Business Big AI explores how artificial intelligence is transforming the entrepreneurial landscape. Hosted by Kim Lewis Howard, we provide actionable insights and practical strategies for small business owners looking to leverage AI and stay ahead in today’s competitive world.

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