Small-business owners continue to have a hard time accessing credit, and they expect the situation to worsen over the next 12 months, according to a survey released Friday by Wells Fargo (WFC) and Gallup.

The survey found that 32% of small-business owners surveyed this quarter said they had a "very difficult" or "somewhat difficult" time getting credit over the past 12 months, compared with 21% who had a "very easy" or "somewhat easy" time.

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