publication . Book . 2008

Access to bank finance for Scottish SMEs.

North, David J.; Owen, Robyn; Deakins, David; Whittam, Geoff;
Open Access English
  • Published: 01 Nov 2008
  • Publisher: Institute for Small Business & Entrepreneurship
  • Country: United Kingdom
Abstract
There is evidence that some SMEs may still face difficulties in accessing bank finance from lenders (CEEDR, 2007). This paper reports an in-depth study into demand and supply side issues relating to access to bank finance by Scottish SMEs and whether there is still market\ud failure associated with good, bankable business cases from SMEs that do not receive finance. We argue that our study utilises innovative methodology and is relatively rare as a robust study in this area. We combine demand side in depth survey analysis of SMEs with supply side\ud analysis by bank managers of real business propositions through verbal protocol analysis.\ud \ud This paper discus...
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