Being a small-business owner can mean being your own IT department — and for entrepreneurs on the go, your phone is your workhorse.
Mobile phones are a huge expense for growing businesses, with 50 to 70 percent of small and medium enterprises in major economies paying for some portion of their employees' mobile phones, according to a January report by The Boston Consulting Group and Qualcomm.
But a commitment to mobile can pay off big time, too: Closing the gap of mobile adoption among small enterprises could decrease national unemployment by more than 10 percent, the study found, using samples from the U.S., Germany, South Korea, Brazil, China and India.
"The app ecosystem is an incredible opportunity to level the playing field for small business," said Sara Oberst, vice president of marketing at Manta. "It allows great customer experiences and lets owners streamline their day and gives them time to grow their business."
Small-business experts shared their must-have apps with CNBC.
— By CNBC's Anita Balakrishnan
Posted 15 March 2016