Home Banking & Finance Survey: Costs, capital still challenge small business Banking & FinanceFairfieldHudson ValleyPremium ContentWestchester Survey: Costs, capital still challenge small business By Alexander Soule - August 14, 2012 Many area small businesses are still in cost-cutting mode, according to a new survey from the New York Fed. This content is for Westfair Online members only. Please Sign in / Join to view this content. Become a member by Registering Here.