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It’s perhaps not surprising to learn that SME lending has been in decline since 2013 – falling 12% from Q3 2013 to Q4 2015 across the 10 largest cities in the UK. The CEBR believes the has been decline driven by a combination of tougher lending criteria from the banks and as some firms have reduced their investment plans as a result of an uncertain economic environment.

However - with all the noise surrounding the run-up to the referendum and its end result – it’s perhaps surprising to discover that latest quarterly figures from the British Bankers’ Association suggest a rise on SME lending over the previous year.

In addition – perhaps as a consequence of more robust than expected economic performance, ongoing low interest rate and low unemployment a recent survey revealed 58% of SME owners were more positive about the prospect of raising finance in the next 12 months. Whilst some of the traditional lenders continue to be somewhat restrictive the rapidly evolving alternative lending community are certainty improving the borrower conditions for

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