NFIB: The Voice of Small Business - National Small Business Poll

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Questions - 1 to 72 of 72

All	Q#	Top 100	Question
	1		Have the nation’s financial problems, which became highly visible in September, affected your business:?
	2		For your business, is the most important immediate problem associated with the current financial situation caused by:?
	3		For your business, does the immediate financial problem associated with the current financial situation:?
	4		What do you think will be the most serious long-term problem caused by the nation’s financial problems that became highly visible in September?
	5		Do you strongly support, support, oppose, or strongly oppose the so-called “bail-out” bill that was recently enacted as a means to stabilize the financial situation?
	6A		Finance a vehicle or equipment for your business through a seller of that vehicle or equipment
	6A 1		(financed a vehicle or equipment) Were you able to:?
	6B		Get a new line of credit for your business, NOT including credit cards
	6B 1		(new line of credit) Were you able to:?
	6C		Extend an existing line of credit for your business, NOT including credit cards
	6C 1		(extend existing line of credit) Were you able to:?
	6D		Get a loan for business purposes from a financial institution
	6D 1		(a loan) Were you able to:?
	6E		Get a credit card or cards for business purposes:?
	6E 1		(credit cards) Were you able to:?
	7		Since mid-September, has your business been able to get all of the credit you wanted, most of the credit, some of the credit, or none of the credit you wanted?
	8		Was that (did not apply for any credit since mid-September) because you did NOT want any credit or was it because you thought you couldn’t get the credit even if you tried?
	9		How many financial institutions do you use for business purposes?
	10		Think of your firm’s most important financial institution in mid-September. I am going to read you a list of the largest banks in the United States. Please tell me if the PRIMARY financial institution for your business is one of them: Bank of America, JP Morgan/Chase, Wells Fargo, Citibank, Sun Tr...
	10a		Is it one of these: HSBC, World Savings, Key, PNC, Sovereign, Commercia, Union of California, Commerce, North Fork, or Fifth Third?
	10b		Is your primary financial institution as of mid-September better described as an Internet bank with virtually no locations like ING, a regional bank with several branches, or a local bank with a few branches at most?
	10c		About how many years have you been a customer of your primary financial institution or a predecessor if it has been merged? An estimate is fine.
	11		Does your business currently have a line of credit, NOT including credit cards, with one or more financial institutions?
	11a		(credit) How many different lines do you have?
	11a 1		Are they at your primary financial institution or are they at different ones?
	11b		[Think of your largest credit line.] Since the first of September, has the financial institution changed the size, interest rate, collateral requirements, OR other terms of the line, such as requiring a personal guarantee?
	11b 1		What did the institution do?
	11b 2		How did that decision impact your business? Was it:?
	11c		Was that line held at your primary financial institution?
	11d		Did you try successfully to replace it on more favorable terms at a different institution, try unsuccessfully to replace it, or not try to replace it?
	12		Does your business currently have a loan, NOT including credit cards, with one or more financial institutions?
	12a		With how many different financial institutions do you have loans?
	12b		Are they at the same primary financial institution or are they at different ones?
	12c		Since the first of September, have any of these institutions changed any aspect of the loan, including calling it in?
	13		Do you currently have one or more credit cards that you use for business purposes?
	13a		How many different cards do you use for business purposes?
	13b		Since the first of September, has the institution changed any aspect of the credit card, including calling it in?
	13b 1		What did the card issuer do?
	13b 2		How did that decision impact your business? Was it:?
	14		Does your business currently extend credit to customers usually, to customers selectively, to customers who ask for it, OR does it not extend credit to any customer?
	14a		Since September 1, have you tightened your credit policy a lot, tightened it a little, loosened it a little, loosened it a lot, or have you not changed it?
	15		Since September 1, have your SUPPLIERS as a group tightened their credit policy a lot, tightened it a little, loosened it a little, loosened it a lot, have not changed it, OR do you always pay at the time of purchase?
	16		Is this business operated primarily from the home, including any associated structures, such as a garage or a barn?
	17		Do you own all or part of the building or land on which your business is located?
	17a		Do you have a mortgage on that property?
	17a 1		Is the interest rate on that mortgage fixed or variable?
	17b		Do you have a second mortgage on that property?
	17c		Is the property upside-down, that is, is this property worth LESS on the open market today than the mortgage or mortgages on it?
	17d		Was one or more of the mortgages taken out on this property to finance other business activities?
	17e		Is this property being used to collateralize the purchase of other business assets?
	18		Do you own your residence?
	18a		Do you have a mortgage on that property?
	18a 1		Is the interest rate on that mortgage fixed or variable?
	18a 2		Does that interest rate reset quarterly, bi-annually, annually, or some other time?
	18b		Do you have a second mortgage on that property?
	18b 1		Is the interest rate on that mortgage fixed or variable?
	18b 2		Does that interest rate reset quarterly, bi-annually, annually, or some other time?
	18c		Is the property upside-down, that is, is this property worth LESS on the open market today than the mortgage or mortgages on it?
	18d		Was one or more of the mortgages taken out on this property to provide capital for your business?
	18e		Is this property being used to collateralize the purchase of other business assets?
	19		Do you own investment real estate property, including undeveloped land, commercial or residential buildings, or other real estate assets, NOT including your business or your home?
	19a		Do you have one such investment or more than one?
	19b		Think of the largest single real estate investment you have. Do you have a mortgage on that property?
	19b 1		Is the interest rate on that mortgage fixed or variable?
	19c		Do you have a second mortgage on that property?
	19d		Is the property upside-down, that is, is this property worth less on the open market today than the mortgage or mortgages on it?
	19e		Was one or more of the mortgages taken out on this property to provide capital for your business?
	19f		Is this property being used to collateralize the purchase of other business assets?
	20		Since September 1, have you shifted or withdrawn deposits, including IRA or 401(k) accounts, from a financial institution over concern about the financial viability of that institution or the financial system as a whole?
	20a		Did you redeposit all, most, some, or none of those funds in a different financial institution?
	20b		Did increasing government insurance on deposits up to $250,000 per account in financial institutions affect your decision to:?
	21		Did institution of government insurance on money market mutual funds affect your decision to:?

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