The size and potential of the cloud opportunity in the Small and Medium-sized Business (SMB) segment is well documented. However, even the most positive analyses may overlook a major sector of this market - the smallest of small businesses - because it typically has little or no business IT spending. In the United States, there are 21.7 million \"Non-employer\" businesses. The firms are generally sole proprietorships, where people offer their labor or expertise independent of an incorporated company. These businesses are not part of the 6 million SMB firms covered by most opportunity analyses.