Small businesses are looking like weak customers to a wide variety of banks, credit card companies and software vendors.

American Express (AXP) reported that its survey of small businesses found that some 18% of their owners fear they are on the brink of failure. And 63% say they’re having a harder time accessing credit, up from 50% in August, Reuters.com reports here.

Reuters also reported that Goldman Sachs (GS) downgraded Netsuite (N) and Salesforce.com (CRM), which sell online accounting and contact tracking software to mostly small and medium-sized businesses.

The Wall Street Journal last Tuesday published an even more bearish story on N, CRM, RightNow Technologies (RNOW), Concur Technologies (CNQR) and Taleo Inc. (TLEO), which serve small and medium-sized organizations.

It also could have listed Adobe (ADBE) and Intuit (INTU), which sell software to small businesses.

And what about Jack Henry & Associates (JKHY), which sells software to small, independent banks that deal primarily with small businesses?

Daily charts for these stocks are here. Click on a chart for a gallery of charts.

I don’t own any of these stocks.

For educational purposes. Investigate before you speculate.