Three-fourths of America’s small business owners are confident about the future of their own business, according to the National Small Business Association, or NSBA.

But 67% said their business has been negatively affected by the credit crunch, up from 55% in January. Business owners report worsening credit terms and outstanding bank loans.

The good news is that 49% have seen an increase in gross sales, and 58% anticipate further sales increases.

The survey also found that small business owners are turning to the Internet as a growth strategy.

Thirty percent expect to increase headcount through new hires in the next year.

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