SME Finance Monitor

 - Q4 results released 3 March 2016 -  scroll for download options

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.  Latest coverage/usage: the SME Finance Monitor is cited in the Bank of England's Credit Conditions Review also used in British Business Bank's the Small Business Finance Markets Report 2015/16.

View the SME Finance Monitor reports:




Q4 results are now available to download:

Full Q4 2015 Report

Q4 2015 Management Summary

Chapter 3 - Definitions

Chapter 4

Chapter 5

Chapter 6

Chapter 7

Chapter 8

Chapter 9

Chapter 10

Chapter 11

Chapter 12

Chapter 13

Chapter 14 - Charts

Chapter 15

Press release


Q3 2015 SME Finance Monitor Management Summary

Q3 2015 SME Finance Monitor Charts

Listen to BDRC Director Shiona Davies discuss the Q2 SME Finance Monitor on Share Radio

Q2 2015 SME Finance Monitor Management Summary

Q2 2015 SME Finance Monitor Full Report

Q1 2015 SME Finance Monitor Management Summary

Q1 2015 SME Finance Monitor Charts

Ethnic Minority Business Report - view the infographic.


2014 Annual Report- (published July 2015).

Q4 2014 SME Finance Monitor

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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