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This report draws on data from the Access to Finance Survey 2012 to assess access to finance conditions for SMEs.
In July 2009, the Scottish Government published its first survey on Access to Finance for Small and Medium-Sized enterprises (SMEs) to assess credit conditions in Scotland at the height of the financial crisis. Follow-up surveys were carried out in November 2009 and 2010. This report, published in July 2012, presents the findings of the 2012 SME Access to Finance Survey. It considers how credit conditions are perceived to have changed for SMEs in Scotland since the 2010 survey.