Time Finance flags mismatch between SME borrowing and funding needs

By Public Technologies
  • Time Finance warned that SMEs risk mismatching borrowing with business needs despite strong growth in lending.
  • UK SME lending rose 24% year over year to £5.3 billion in Q2 2026, the fastest growth since recovery began in 2024.
  • A separate report showed small business lending grew 63%; average loans exceeded £300,000 for the second consecutive quarter.
  • Leasing finance applications had an 82% approval rate, compared with 43% for traditional bank loans.
  • The analysis urged businesses to match financing to their needs, using Asset Finance, Invoice Finance or Asset Based Lending rather than defaulting to bank loans.


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