SME Finance Monitor

Independent, robust and respected data on access to finance amongst SMEs in the UK.

Established in 2011, the SME Finance Monitor, commissioned by UK Finance, is the definitive source of insight into how small and medium-sized businesses in the UK view, use and experience finance. It tracks their access to funding, growth ambitions and business performance through shifting economic conditions, from the aftermath of the last recession, to Brexit, Covid-19 and the more recent economic challenges that have faced the UK.

As one of the most comprehensive and authoritative data sets of its kind, the SME Finance Monitor enables analysis by size, sector, region and a wide range of other factors. Its findings, regularly cited by government, banks and industry bodies, offer an unparalleled view of SME sentiment and behaviour, how these evolve over time and the role of finance in driving growth and innovation. The data and reports are freely available.

 

Get the latest reports

All outputs are available for immediate download, including historic trends. From time-to-time, we also publish special reports on specific sub-groups of interest.

 

2025 reports
Full results to Q4 2025Summary of key findings to Q4 2025Management summary
More detailed analysis of findings to Q4 2025Chapter summaries
Full 2025 reportMain report
Presentation chart pack – key findings to Q4 2025Presentation
Full chart packFull chart pack
Monthly snapshotMarch 2026Monthly snapshot
2024 reports
Regional report2024 key headlines for each of the English regions and devolved nationsAnnual regional report
Special reports
Sub-group reportsWomen-led businesses (2023)Special report
Ethnic minority businesses (data to Q2 2023)Special report 

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