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%.
Enterprise Northern Ireland
Company · GB · 4 documents
Northern Ireland SME Access to Finance Report
Around 18% of smaller businesses in Northern Ireland reported experiencing barriers to accessing finance, led by concerns over the ability to obtain or repay finance (49%).
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%).
Northern Ireland SME Access to Finance Report 2025
Around 21% of SMEs in Northern Ireland faced barriers when trying to access finance, primarily due to the ability to obtain or repay finance (41%) and lack of awareness or availability (27%).