Most small business owners indicate that credit is somewhat easy or very easy to obtain. The Wells Fargo quarterly optimism index shows that small business optimism has been on a steady rise since 2017. A survey done by Wells Fargo in May and June indicates little change in small business owners' views on credit Relationship with Credit According to the Small Business Credit Survey, in the last five years, 44% of small businesses had used a bank for funding, this indicates "a prior lending relationship ." According to the survey, " banking relationships are more common among larger firms, firms with better credit scores, and firms with white ownership." Almost half of the firms covered in the Small Business Credit Survey had access to credit. According to the report, 49% of the firms had their financing needs m e t and only 30% had unmet financing needs. According to a survey done by Wells Fargo in 2019, " 53 percent of business owners indicated ...