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Open Access research with a European policy impact...

The Strathprints institutional repository is a digital archive of University of Strathclyde's Open Access research outputs. Strathprints provides access to thousands of Open Access research papers by Strathclyde researchers, including by researchers from the European Policies Research Centre (EPRC).

EPRC is a leading institute in Europe for comparative research on public policy, with a particular focus on regional development policies. Spanning 30 European countries, EPRC research programmes have a strong emphasis on applied research and knowledge exchange, including the provision of policy advice to EU institutions and national and sub-national government authorities throughout Europe.

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Business finance and security over moveable property

Hamilton, Jenny and Coulson, Andrea and Wortley, Scott and Ingram, Dave (2002) Business finance and security over moveable property. Other. Scottish Executive Central Research Unit, Edinburgh, UK.

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Abstract

Anecdotally, there has been the suggestion that there are perceived deficiencies in the Scots law concerning the ability to provide security over moveable property which impinge upon the ability of Scottish SMEs to raise loan finance. In researching this issue we looked at bank lending policy and practices concerning security; the role and views of business advisers and intermediaries; and surveyed the financing arrangements of Scottish SMEs. We found little substantive evidence to support this perceived deficiency. Neither the inability of unincorporated businesses to offer the floating charge nor the inability of Scottish SMEs to offer a non-possessory security over moveable property appear significantly to affect the ability of Scottish SMEs to access finance.