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Two years into the financial crisis, small and midsize companies report that it’s still tough to obtain loans from banks. In fact, 58% of 560 small and midsize companies that negotiated or refinanced a loan over the last three months say that it was harder to obtain credit than it had been a year earlier, according to the latest quarterly survey by Greenwich Associates, and 36% of those companies described it as “much harder” to borrow. Twenty-seven percent of companies say they saw no change in the difficulty of arranging credit, and 15% say it was easier to borrow over the last three months than it was a year earlier.

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