Startups in all industries face one common challenge: gaining funding. Unlike other financial challenges, this isn’t a problem that disappears with age and experience.

This is according to the Small Business Credit Survey released yesterday by the NY Federal Reserve Bank, which found that the majority of startups aged 0-2 years and 3-5 years respectively cited credit availability or funds for expansion as their biggest financial problem.

58% of startups 0-2 years old reported this as their most taxing financial challenge, to 53% of startups 3-5 years old.

39% of firms over 5 years in operation also agreed this was a top financial challenge, but were, unsurprisingly, less financially stressed than their younger counterparts, according to the study.

The next highest financial challenge reported by firms of this age was operating expenses, with 34% agreeing this was a financial challenge. 44% of firms over 5 years old agreed that none of the financial problems listed were issues they were currently facing.

Take a look at the full survey here.