According to a survey in American Banker.

Money quote:

Aside from economic uncertainty, owners thought that cash flow management would be the biggest challenge in the first half of the year, with 25% citing this as a concern. This was followed by 19% listing lackluster sales, 15% citing expense management and 12% mentioning increased competition as their biggest challenges. Debt management, working longer hours, access to credit and employee layoffs were also listed as concerns. 

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