Scotland SME Access to Finance Report
Business credit cards were the most commonly used finance form among Scottish smaller businesses at 37%, followed by business overdrafts at 30% and personal credit cards at 15%.
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Wales SME Access to Finance Report: Sub-National and Devolved Nation Analysis
Credit cards remained the most commonly used finance type in Wales with a 25% usage rate, followed by Covid-19 loans (23%) and business overdrafts (16%).
Scotland SME Access to Finance Report 2025
Around 42% of smaller businesses in Scotland reported facing barriers to accessing external finance.