I have a multi wan SMB router. 945mbit throughput. $60 new.
TPLink omada or Ubiquiti tier stuff is all you really need for small business. The redundant ISP connections cost way more, but it's still a tiny cost per month for something that can get the job done in a pinch like a hotspot.
Battery backups are only useful if you have a generator to take over the utility load imo. Not a common thing in small business unless you're leasing somewhere with generators provided for the whole building.
Redundant servers are not that hard to have. Just need proxmox. It's not as intuitive as old vmware but it's more than enough for a SMB. Some kind of storage shelf and three little servers gets you a ton of redundancy. If a tiny budget is necessary and small downtime is fine you really only need a couple of hosts that are beefy enough to run everything you need on each.