Sources of financing of SMEs

National data

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Recently used sources of financing for SMEs

% of SMEs obtaining new financing of this type in the past 6 months

 201320142015201620172018
Belgium
  Credit line, bank overdraft or credit cards overdraft40.037.036.039.039.0--
  Leasing or hire-purchase--21.014.020.017.0--
  Bank loans40.021.025.026.025.0--
  Trade credit20.05.014.013.012.0--
Netherlands
  Credit line, bank overdraft or credit cards overdraft47.041.041.043.040.0--
  Leasing or hire-purchase--31.021.019.022.0--
  Bank loans30.05.012.013.015.0--
  Trade credit29.04.022.017.021.0--
France
  Credit line, bank overdraft or credit cards overdraft42.038.033.034.029.0--
  Leasing or hire-purchase--29.023.024.026.0--
  Bank loans37.022.025.025.025.0--
  Trade credit17.05.08.08.09.0--
Germany
  Credit line, bank overdraft or credit cards overdraft36.032.038.037.038.0--
  Leasing or hire-purchase--44.036.034.033.0--
  Bank loans35.013.020.018.016.0--
  Trade credit15.03.010.09.09.0--
Austria
  Credit line, bank overdraft or credit cards overdraft35.038.041.047.042.0--
  Leasing or hire-purchase--35.025.032.030.0--
  Bank loans37.015.023.015.017.0--
  Trade credit17.05.013.015.011.0--
United Kingdom
  Credit line, bank overdraft or credit cards overdraft45.045.039.038.038.0--
  Leasing or hire-purchase--38.031.029.027.0--
  Bank loans27.08.015.011.011.0--
  Trade credit60.021.044.039.041.0--
Europe 28
  Credit line, bank overdraft or credit cards overdraft39.037.037.037.035.0--
  Leasing or hire-purchase--29.023.023.024.0--
  Bank loans32.013.019.018.017.0--
  Trade credit32.09.020.019.019.0--

Relevant sources of financing for SMEs

% of SMEs considering this source of financing as relevant

 201320142015201620172018
Belgium
  Credit line, bank overdraft or credit cards overdraft71.052.051.053.053.0--
  Leasing or hire-purchase--35.032.038.040.0--
  Bank loans83.065.061.058.060.0--
  Trade credit55.031.035.030.030.0--
Netherlands
  Credit line, bank overdraft or credit cards overdraft62.053.059.060.056.0--
  Leasing or hire-purchase--40.043.041.046.0--
  Bank loans55.050.044.045.045.0--
  Trade credit41.035.033.030.034.0--
France
  Credit line, bank overdraft or credit cards overdraft72.057.053.054.050.0--
  Leasing or hire-purchase--54.048.052.049.0--
  Bank loans89.071.065.066.062.0--
  Trade credit40.026.026.026.026.0--
Germany
  Credit line, bank overdraft or credit cards overdraft64.047.055.052.054.0--
  Leasing or hire-purchase--57.059.059.058.0--
  Bank loans74.060.049.048.048.0--
  Trade credit23.014.015.014.014.0--
Austria
  Credit line, bank overdraft or credit cards overdraft64.053.058.063.061.0--
  Leasing or hire-purchase--50.049.054.057.0--
  Bank loans74.060.050.049.048.0--
  Trade credit27.020.021.021.018.0--
United Kingdom
  Credit line, bank overdraft or credit cards overdraft62.063.056.056.053.0--
  Leasing or hire-purchase--54.050.050.047.0--
  Bank loans53.047.040.041.035.0--
  Trade credit65.055.058.057.057.0--
Europe 28
  Credit line, bank overdraft or credit cards overdraft60.053.055.055.053.0--
  Leasing or hire-purchase--47.047.047.048.0--
  Bank loans68.057.050.050.048.0--
  Trade credit45.033.036.035.034.0--

Regional data

No regional data available

Description

  •  10/10/2018

% of SMEs that used the different types of financing over the past six months and % of SMEs considering the different types of financing as relevant. The data come from the Survey on Access to Finance of Enterprises (SAFE) conducted by the European Central Bank and the European Commission across the EU Member States and several additional countries.

Other languages

  • Sources de financement des PME
  • Financieringsbronnen van kmo's

Source: European Commission and the European Central Bank (SAFE)