Small businesses in the channel that bank with Royal Bank of Scotland could find things getting more difficult after the bank moved to setup a separate SME division.
According to The Times the RBS has struggled to make profits out of smaller customers and is using the structural changes to improve the returns it gets from SMEs.
Those that are likely to find life becoming harder are those that have used the RBS for loans to cover property.
Even before the recession kicked in the channel was complaining about the way that banks had turned the screws on credit and research from lobby groups shows that along with late payments access to funds has remained a bug bear for small firms.
"There will be no change to the existing lending agreements these customers have with the Bank, their existing terms continue. This is an internal balance sheet exercise where existing lending is recorded to our new Restructuring division but this doesn’t impact existing lending agreements nor does it mean that the customers themselves are transferred to this division," said a bank spokesman.
"They will continue to work with their existing Relationship Manager and will see no difference in the way they do business with the Bank," he added.