SME access to finance report: July 2009

This report, published in July 2009, presents the findings of the Scottish Government's first survey on Access to Finance for Small and Medium-sized Enterprises (SMEs).  It considers how credit conditions are perceived to have changed for SMEs in Scotland since 2007, drawing on the results for Scotland from the 2007 UK-wide Financing UK Small and Medium-sized Enterprises Survey, undertaken by the Centre for Business Research. It considers the current constraints faced by SMEs in Scotland as a result of the credit crunch and economic downturn.