access to finance
For too long, some of the best ideas have been held back because it's been too hard for them to raise money. With the economic tightening since the major debt crisis of 2007/8, and the increasing financial uncertainty of Brexit, borrowing money has become even tougher for entrepreneurs.
It was fascinating to read the latest description of a two-tier Britain - in which meaningful job creation is lagging behind
If you ask any small business to list the issues that most affect its daily activity, you would get very short odds on at least part of the answer being access to finance. Over the last five years, banks have been vilified both for lending too frivolously and too modestly - quite an achievement, even for a banker.