Zero Trust on a Budget: A Step-by-Step Guide for Small and Medium Businesses
- David Keeton, Jr.

- Aug 8
- 5 min read
With cyber threats becoming more sophisticated and prevalent, the need for a robust security framework is more important than ever. For many SMBs, the idea of adopting a Zero Trust security model might seem overwhelming, especially when budgets are tight. The good news is that implementing a Zero Trust approach can be achieved without hefty investments. This guide will detail a practical and cost-effective roadmap for SMBs looking to adopt a Zero Trust strategy.
What Zero Trust Means for an SMB
Zero Trust is a security framework built on the idea of "never trust, always verify." This means that no user or device is automatically trusted, irrespective of their location. Every access attempt must be authenticated, authorized, and encrypted.
For example, consider a small accounting firm with remote employees. Under a traditional security model, an employee working from home might have unrestrained access to client databases simply because they are on the internal network. Zero Trust denies that assumption and requires proper credentials and security checks even for users on the internal network.
This approach matters for SMBs, as they often grapple with limited resources and a lack of dedicated IT staff. Implementing a Zero Trust model allows SMBs to improve their security without needing extensive infrastructure.

Business Problems Zero Trust Solves
Adopting a Zero Trust framework can help SMBs tackle several pressing business challenges:
Lost Credentials: When employees leave an organization, they often take their access credentials with them. For instance, research shows that 40% of businesses suffer from unauthorized access due to employees not having their access revoked promptly. A Zero Trust model automatically revokes access when an employee departs, minimizing this risk.
Rogue Access After Departures: Without strict access controls, former employees can still access sensitive information post-employment. Implementing Zero Trust ensures that access is tightly controlled and can prevent unauthorized access from former staff.
Lateral Movement in Breaches: In the case of a security breach, attackers often move horizontally within the network. A notable statistic is that companies without Zero Trust models are 57% more likely to experience a data breach due to lateral movement. Zero Trust limits this lateral movement with network segmentation, keeping sensitive data better protected.
By addressing these issues, SMBs can significantly enhance their defenses against cyber threats.
Low-Cost Building Blocks
Creating a Zero Trust environment does not always require expensive tools. Here are some affordable building blocks that SMBs can implement:
Multi-Factor Authentication (MFA): This security measure adds an extra layer by requiring users to provide two or more verification factors to access accounts. With many services offering free MFA options, like Google Authenticator, this solution is both practical and effective.
Conditional Access: This feature enables organizations to enforce access policies based on various factors, such as user location or device compliance. Many cloud service providers offer this capability at no extra cost, allowing SMBs to enhance security without additional spending.
Least-Privilege User Roles: Limiting user access to only what is necessary for their roles drastically reduces the chances of unauthorized access. For example, a marketing intern does not need access to financial records.
Network Segmentation with VLANs/SD-WAN: By segmenting the network, SMBs can contain data breaches and limit lateral movement effectively. Most routers support VLANs, which can be configured at minimal expense.
Device Posture Checks: Ensuring all connected devices meet security standards before granting access is crucial. Utilizing built-in features in existing software can often help achieve this.
Identity-Driven Backups: Regularly backing up data and securing those backups against unauthorized access aid in mitigating breach impacts. Many cloud providers offer basic, affordable backup solutions.
By integrating these building blocks, SMBs can build a solid foundation for their Zero Trust framework affordably.

A 90-Day Pilot Plan
SMBs can smoothly implement Zero Trust by following a straightforward 90-day pilot plan. This strategy serves as a Proof-of-Concept to fine-tune their approach.
Month 1: Discover Assets
Inventory Assets: Begin by making a comprehensive list of all devices, applications, and users accessing the organization. For effective management, consider using tools like a simple spreadsheet or more advanced asset management software.
Map Trust Boundaries: Identify network areas that require tighter access controls, such as financial systems or customer databases.
Month 2: Enforce MFA and Device Checks
Implement MFA: Start rolling out multi-factor authentication for all users, prioritizing those with access to sensitive data, such as finance or HR.
Conduct Device Posture Checks: Assess all devices to ensure they meet established security standards before being granted access to the network.
Month 3: Monitor and Iterate
Monitor Access Requests: Track all access requests and scrutinize any anomalies or unauthorized attempts to access critical data.
Iterate on Policies: Utilize collected data to refine access policies and adjust as needed based on insights gained.
This pilot plan allows SMBs to implement Zero Trust gradually, reducing the impact on daily operations.
Measuring Success & Quick Wins
To assess whether the Zero Trust implementation is effective, SMBs should define key performance indicators (KPIs). Here are some useful metrics to track:
Privileged-Access Events: Monitor how often privileged access is granted and make sure it aligns with organizational policies. A well-functioning Zero Trust model will show reduced instances of unauthorized privileged access.
Time to Revoke Access: Set a target time for revoking access for departing employees or compromised accounts. The industry standard is within 24 hours; SMBs should aim for this timeframe to minimize risks.
Reduced Lateral-Auth Attempts: Count the number of lateral authentication attempts. A drop in these attempts may indicate that network segmentation is effectively thwarting unauthorized access.
These KPIs can help identify quick wins and showcase the value derived from the Zero Trust strategy.
Realistic Cost & Vendor Choices
When considering Zero Trust implementation, SMBs should focus on a mix of native tools and cost-effective third-party options:
Native Microsoft/Google Tools: Companies already using Microsoft 365 or Google Workspace can take advantage of built-in security features like MFA and conditional access at no extra cost.
Affordable Identity and Access Management (IAM) Solutions: Seek IAM tools that offer essential features at a reasonable price. For instance, providers like Okta offer tiered pricing to accommodate varying user numbers.
MSP-Backed Monitoring Layer: Engaging a managed service provider (MSP) allows SMBs to obtain additional monitoring and support without the full commitment of a dedicated IT staff.
By thoughtfully selecting the right tools and vendors, SMBs can successfully implement a Zero Trust strategy within budget.
Practical Steps for Enhanced Cybersecurity
Adopting a Zero Trust security model is vital for SMBs aiming to bolster their cybersecurity. By understanding the core concepts of Zero Trust, recognizing the specific problems it addresses, and utilizing cost-effective building blocks, SMBs can establish a clear pathway to success.
With a structured 90-day pilot plan, measurable success metrics, and budget-friendly cost options, SMBs can implement Zero Trust confidently. This proactive approach will help organizations better protect sensitive information and significantly reduce exposure to evolving cyber threats.
For SMBs in the Austin area, consider scheduling a Zero Trust quick audit to assess your current security posture. Additionally, we offer a free 30-minute "assets & access" checklist to help you start your Zero Trust journey.
By taking action now, you can better shield your business against the ever-changing landscape of cyber threats.




