According to a February 2009 survey of 150 CEOs done by CIT and Forbes Insights, a surprisingly high percentage of middle-market business owners say their businesses haven't had problems getting loans during the credit crunch.

Availability of credit wasn't near the top of a list of things that CEOs expect to negatively impact their companies over the next 12 months. Instead, healthcare costs, regulation and customer demand were their top concerns.

Only about 27% of the respondents said they felt a significant impact from the credit crisis.

About 36% felt moderate impact and 19% said there has been a slight impact.

When asked about access to financing, most CEOs said they are satisfied with their access to financing (47% satisfied, 30% not satisfied) and their cost of financing (47% satisfied, 25% not satisfied).

Middle-market companies have also felt less pressure to refinance than their larger counterparts as they are less reliant on debt to finance their operations.

About 51% of the survey respondents expect the financing environment to remain the same over the next year and only a quarter think it will worsen.

Another surprising statistic was pressure on revenues, with roughly about half of the officials saying that revenue had grown over the past year; 14% said revenue had grown significantly. Only about a third of the executives said their revenue had declined over the last 12 months.

Overall, the respondents struck a rather optimistic note, with about 64% expecting stable or growing revenue over the next 12 months.