Small businesses continue to struggle with cash flow issues, according to the 2012 Small Business Access to Capital Survey by the National Small Business Association.

In fact, 43 percent of respondents say they needed funds during a time in the last four years but could not find any willing sources.

"Not only have small-business owners been unable to find new credit over the last four years, nearly a third had their existing credit slashed and one in 10 had their loans called in early," says NSBA President and CEO Todd McCracken. "What's worse – 19 percent of those whose loans were called in early were given less than 15 days to pay the full balance of their loans."

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