Solving the SME finance puzzle: an examination of demand and supply failure in the UK

Article

Owen, R., Botelho, T., Hussain, J. and Anwar, O. 2023. Solving the SME finance puzzle: an examination of demand and supply failure in the UK. Venture Capital. 25 (1), pp. 31-63. https://doi.org/10.1080/13691066.2022.2135468
TypeArticle
TitleSolving the SME finance puzzle: an examination of demand and supply failure in the UK
AuthorsOwen, R., Botelho, T., Hussain, J. and Anwar, O.
Abstract

Following economic instability after the Global Financial Crisis, the financing of small and medium-sized enterprise (SME) growth and productivity has become central to UK government policy for sustainable economic development, evidenced by the establishment of the British Business Bank and Regional Investment Funds.
This paper considers demand-side and supply-side failures in the contemporary UK SME finance market. Adopting mixed methods, binary logit regression analysis of the 2015 UK Small Business Survey of 15,502 SMEs is sense-checked using qualitative participatory findings from 6 SME finance support advisors.
Findings confirm the importance of SME size, age, management capability and use of appropriate, timely external advice. They support the resource-based view of SME access to finance, contributing to borrower discouragement and under investment, suggesting the need for improved support to upskill entrepreneurs’ financial management and investment readiness and the concept of an ‘holistic entrepreneurial finance ecosystem’ approach to assist UK SME finance.

KeywordsSMEs; entrepreneurial finance; finance escalator; ecosystem; demand; supply; policy
Sustainable Development Goals9 Industry, innovation and infrastructure
Middlesex University ThemeCreativity, Culture & Enterprise
Research GroupCentre for Enterprise, Environment and Development Research (CEEDR)
PublisherTaylor & Francis (Routledge)
JournalVenture Capital
ISSN1369-1066
Electronic1464-5343
Publication dates
Online25 Oct 2022
Print02 Jan 2023
Publication process dates
Submitted23 Mar 2022
Accepted08 Oct 2022
Deposited25 Jul 2023
Output statusPublished
Publisher's version
License
File Access Level
Open
Copyright Statement

© 2022 The Author(s). Published by Informa UK Limited, trading as Taylor & Francis Group.
This is an Open Access article distributed under the terms of the Creative Commons Attribution-NonCommercial-NoDerivatives License (http://creativecommons.org/licenses/by-nc-nd/4.0/), which permits non-commercial re-use, distribution, and reproduction in any medium, provided the original work is properly cited, and is not altered, transformed, or built upon in any way.

Digital Object Identifier (DOI)https://doi.org/10.1080/13691066.2022.2135468
LanguageEnglish
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