Access to finance

Affordable and appropriate access to finance is an important issue not only for newly-starting and growing companies, as well as for existing ones who wish to expand their operations. It is thus significant for all businesses who strive to gain productivity, foster innovation, and hence create employment and wealth for the wider national and international benefits.

Access to finance is crucial especially for small and medium-size firms, due to their largest share in terms of number of enterprises, turnover and employment in the business economy. In recent years some evidence showed that lenders shied away from financing them because of the nature of the assets of these companies.

To shed light on these issues Eurostat, in consultation with its users for business statistics, the OECD, EIF and the ECB, has organised a business survey to obtain information on the access to various types and source of finance of small and medium-sized enterprises (10 to 250 employees).

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