SME Finance Monitor

The SME Finance Monitor has been providing robust and respected data on access to finance amongst SMEs since 2011. The reports are used by banks, government, the Bank of England and industry bodies to inform the debate on this key issue.

More than 65,000 interviews have now been conducted by BDRC (5,000 interviews are conducted each quarter), building into a considerable data set on SME sentiment around past and future finance needs.

The Monitor is vital for understanding how SMEs are thinking on key financial issues. For example, we explore how many SMEs have applied for external finance, what their experience was, and what (if anything) stopped those who did not apply from doing so.

We also explore the extent to which they are aware of the various forms of support and advice available to them when accessing finance. Looking forward, we track how many are planning to grow and the key barriers to running the business as they would wish.

Both the report and underlying data are made available for free to all interested parties, and the quarterly results are widely quoted in the media.

View the SME Finance Monitor reports:


SME Finance Monitor Q4 2015

The latest SME Finance Monitor report is now out : Q4 2014.

Download the full report

Management Summary

Chpt 3: Using this report

Chpt 4: The general context

Chpt 5: Financial context - how are SMEs funding themselves?

Chpt 6: An initial summary of loan and overdraft events

Chpt 7: The build up to applications for loans and overdrafts

Chpt 8: The outcome of the application/renewal

Chpt 9: The impact of the application/renewal

Chpt 10: Rates and fees - type 1 events

Chpt 11: Why were SMEs not looking to borrow in the next 12 months?

Chpt 12: The future

Chpt 13: Awareness of Taskforce and other initiatives

Chpt 14: Selected graphs and charts

Chpt 15: Technical appendix

Press release


Q3 2014 SME Finance Monitor Management Summary

Q2 2014 SME Finance Monitor

Q1 2014 SME Finance Monitor (charts only)

Women-led Businesses Report - view the infographic.


Annual Report 2013

Q1 2013 SME Finance Monitor

Q2 2013 SME Finance Monitor

Q3 2013 SME Finance Monitor

Q4 2013 SME Finance Monitor


Annual Report 2012

Q1 2012 SME Finance Monitor

Q2 2012 SME Finance Monitor

Q3 2012 SME Finance Monitor

Q4 2012 SME Finance Monitor


Annual Report 2011

Q1 2011 SME Finance Monitor

Q3 2011 SME Finance Monitor

Q4 2011 SME Finance Monitor

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