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Friends and Family 12% While the findings underline the continuing financial challenges for SMEs caused by the pandemic, with 43% seeing a fall of more than 25% in their income, for 38% of the SME business owners surveyed, 2020 was a year of income growth. The hugely varying experiences of SMEs in the pandemic is reflected in the fact that just over half of the SMEs owners and directors surveyed (53%) feel the Government has done enough to support small businesses, however 34% disagreed with this view. “Almost half of the businesses in need of cash are planning to apply for the Recovery Loan Scheme but at this stage, the number of lenders is limited and we know the qualifying criteria is much tougher than the BBL or CBIL scheme so the success rate for applicants could be poor,” Todd Davison, MD for Purbeck Personal Guarantee Insurance said.

United kingdomTodd davisonPurbeck personal guarantee insurancePersonal guarantee insuranceRecovery loan schemePersonal guarantorsBounce back loan schemeLoan schemeCard facilityFinance providerPersonal guaranteeCoronavirus recovery loanஒன்றுபட்டது கிஂக்டம்டாட் டேவிசன்தனிப்பட்ட உத்தரவாதம் காப்பீடுமீட்பு கடன் திட்டம்