definitive guide to government access to finance schemes. SME lending, says Vanderlem, peaked in mid-2009 and has been falling ever since. The steepest decline took place in 2009 and 2010. Small and mid-sized UK firms are today net lenders to the banks. However, like other contributors at Real Business Funding, Vanderlem shows a complex picture in UK business lending. Many UK businesses, for example, are discouraged from even approaching their banks, rather than being actually turned down. See Andrew Vanderlem’s full presentation by flicking through the pages.
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