Many small businesses and startups struggle to adjust their operational plans to quickly changing market and financial situations. Traditional data-driven techniques often miss possibilities and waste resources. Our unique approach, Unified Statistical Association Validation (USAV), allows dynamic and real-time data association and improvement assessment to address this essential issue. USAV classifies and validates critical data associations based on business features to improve startup incubation and innovation decision-making. USAV analyses different financial eras using federated learning to find performance inefficiencies using a Kaggle dataset on small business success and failure. USAV recommends actionable improvements during innovation using non-recurrent statistical patterns, unlike standard models that use prior financial data. The framework allows real-time flexibility with continual statistical updates without data redundancy. The proposed approach achieved an improvement assessment score of 0.98, data association accuracy of 96%, statistical update efficiency of 0.97, modification ratio of 35%, and incubation analysis time reduction of 240 units in experimental evaluation. These findings demonstrate USAV’s ability to help strategic decision-making in dynamic corporate situations.