The writing is on the wall, you know you need your site to be mobile (and tablet) friendly. All the research points to the fact that more and more consumers are checking you out online and increasingly doing it on their mobile device.
Getting an app is probably overkill for the small business person and it isn’t even going to help you gain new customers! What affordable (or free) options do you have to help new mobile customers find you? A lot of the options will depend on how you implemented your online strategy in the past.