Talk:SME finance

Business Low‑importance

	Business portal This article is within the scope of WikiProject Business, a collaborative effort to improve the coverage of business articles on Wikipedia. If you would like to participate, please visit the project page, where you can join the discussion and see a list of open tasks.BusinessWikipedia:WikiProject BusinessTemplate:WikiProject BusinessWikiProject Business articles
Low	This article has been rated as Low-importance on the project's importance scale.

Finance & Investment Low‑importance

	This article is within the scope of WikiProject Finance & Investment, a collaborative effort to improve the coverage of articles related to Finance and Investment on Wikipedia. If you would like to participate, please visit the project page, where you can join the discussion and see a list of open tasks.Finance & InvestmentWikipedia:WikiProject Finance & InvestmentTemplate:WikiProject Finance & InvestmentFinance & Investment articles
Low	This article has been rated as Low-importance on the project's importance scale.

Dr. Zazzaro's comment on this article[edit]

Dr. Zazzaro has reviewed this Wikipedia page, and provided us with the following comments to improve its quality:

The first has been to broaden the collateral based approach by encouraging bank lenders to finance SMEs with insufficient collateral. This might be done through an external party providing the collateral or guarantees required. Unfortunately, such schemes are counter to basic free market principles, and they tend to be unsustainable. This sector is increasingly called the Meso-finance sector.
It is unclear why (private or public) loan-guarantee schemes should be counter the basic principles of free market.
See contributions in the special issue of the Journal Financial Stability "Partial Credit Guarantees: Experiences & Lessons Focused Issue" 2010, vol 6, No. 1; Busetta G. and A. Zazzaro (2012), "Mutual loan-guarantee societies in monopolistic credit markets with adverse selection, Journal of Financial Stability, Volume 8, No. 1, Pages 15-24, for a theoretical contibution on the spontaneous emergence of Mutual loan-guarantee societies.
However, there are no evidence of any significant structural barriers to the supply of bank or private equity finance to suitable SME applicants on mutually satisfactory terms and conditions in Britain. The main obstacles to funding here appear to be on the demand rather than the supply side of the business finance market.
This seems to be a very strong and unproved sentence. Provide academic references. Why to consider only Britain?
In general, see the recent survey SME Access to Intermediated Credit: What Do We Know and What Don’t We Know? by Gregory F Udell

We hope Wikipedians on this talk page can take advantage of these comments and improve the quality of the article accordingly.

Dr. Zazzaro has published scholarly research which seems to be relevant to this Wikipedia article:

Reference : Andrea Filippo Presbitero & Alberto Zazzaro, 2009. "Competition and Relationship Lending: Friends or Foes?," Mo.Fi.R. Working Papers 13, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences.

ExpertIdeasBot (talk) 12:50, 7 June 2016 (UTC)[reply]

Copyright problem removed[edit]

Prior content in this article duplicated one or more previously published sources. The material was copied from: https://www.lendingkart.com/blog/small-business-loans-what-to-avoid-and-what-to-keep-an-eye-out-for/. Copied or closely paraphrased material has been rewritten or removed and must not be restored, unless it is duly released under a compatible license. (For more information, please see "using copyrighted works from others" if you are not the copyright holder of this material, or "donating copyrighted materials" if you are.)

For legal reasons, we cannot accept copyrighted text or images borrowed from other web sites or published material; such additions will be deleted. Contributors may use copyrighted publications as a source of information, and, if allowed under fair use, may copy sentences and phrases, provided they are included in quotation marks and referenced properly. The material may also be rewritten, providing it does not infringe on the copyright of the original or plagiarize from that source. Therefore, such paraphrased portions must provide their source. Please see our guideline on non-free text for how to properly implement limited quotations of copyrighted text. Wikipedia takes copyright violations very seriously, and persistent violators will be blocked from editing. While we appreciate contributions, we must require all contributors to understand and comply with these policies. Thank you. GermanJoe (talk) 11:34, 24 November 2017 (UTC)[reply]

Also, blogs and personal websites are usually not reliable sources (see WP:RS). GermanJoe (talk) 11:34, 24 November 2017 (UTC)[reply]