Business Secretary Vince Cable might have taken to the stage at the Liberal Democrat conference today detailing plans to put more pressure on banks to lend to SMEs but the vast majority still feel left out in the cold over loans.
According to the latest research from channel financial specialist Syscap only 8% of those businesses it surveyed said that getting access to loans had improved over the last year.
In addition 75% of small businesses think that the margins banks are adding to lending is too high.
Philip White, chief executive of Syscap, said that the findings of the survey were not encouraging, particularly given the attempts that the government has made to get credit flowing more freely.
"It is disappointing to see that such a significant percentage of businesses feel that obtaining a business loan at an affordable rate has got tougher over the last year," he said.
"It has been four years since the collapse of Northern Rock and the start of the credit crunch, but business lending conditions are still a long way from recovery," he added.