Almost seven years since the start of the financial crisis, banks are still under fire for not lending enough to small and medium-sized companies.

Small businesses complain that they are being forced to jump through hoops or are turned down point blank by their banks.

Government schemes such as Funding for Lending have led to a glut of cheap mortgage deals and boosted lending to households. But net lending – which includes money paid back – to small businesses continues to fall.

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