Market Gaps on Access to Finance - Bank of Valletta

G: Leasing/ hire-purchase/ factoring- Firm lifecycle
Emerging
Developm
ent Expansion
Start-Up Growth Growth Growth
Yes, Used 2 (20%) 0 (0%) 22 (29%) 4 (31%)
Yes, Applied 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Yes, applied but rejected/ refused to proceed further 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Yes, applied but partially rejected 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – unaware of advantages 1 (10%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – not available in Malta 0 (0%) 0 (0%) 1 (1%) 0 (0%)
Did not use them – traditional bank finance suffices 0 (0%) 0 (0%) 2 (3%) 0 (0%)
Did not use them – internal finance suffices 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – internal and traditional bank finance suffice 0 (0%) 0 (0%) 2 (3%) 0 (0%)
Did not use them – not relevant to my firm 7 (70%) 4 (100%) 47 (63%) 9 (69%)
Did not use them – other 0 (0%) 0 (0%) 1 (1%) 0 (0%)
H: Equity from other Sources- Firm Size
1 - 9: Micro 10 to 49: Small
50 to 249:
Medium
Yes, Used 4 (8%) 0 (0%) 0 (0%)
Yes, Applied 0 (0%) 0 (0%) 0 (0%)
Yes, applied but rejected/ refused to proceed further 0 (0%) 0 (0%) 0 (0%)
Yes, applied but partially rejected 0 (0%) 0 (0%) 0 (0%)
Did not use them – unaware of advantages 1 (2%) 0 (0%) 0 (0%)
Did not use them – not available in Malta 0 (0%) 3 (8%) 0 (0%)
Did not use them – traditional bank finance suffices 3 (6%) 0 (0%) 0 (0%)
Did not use them – internal finance suffices 0 (0%) 0 (0%) 0 (0%)
Did not use them – internal and traditional bank finance suffice 1 (2%) 0 (0%) 0 (0%)
Did not use them – not relevant to my firm 39 (80%) 35 (92%) 15 (100%)
Did not use them – other 1 (2%) 0 (0%) 0 (0%)
H: Equity from other Sources- Economic sector
Manufacturi Retail/ Tourism /
Life
Sciences Other
ng
Distribution Hospitality and ICT Services
Yes, Used 1 (6%) 0 (0%) 1 (3%) 1 (7%) 1 (6%)
Yes, Applied 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Yes, applied but rejected/ refused to proceed further 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Yes, applied but partially rejected 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – unaware of advantages 0 (0%) 0 (0%) 1 (3%) 0 (0%) 0 (0%)
Did not use them – not available in Malta 0 (0%) 1 (4%) 0 (0%) 2 (14%) 0 (0%)
Did not use them – traditional bank finance suffices 0 (0%) 1 (4%) 2 (6%) 0 (0%) 0 (0%)
Did not use them – internal finance suffices
Did not use them – internal and traditional bank finance
0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
suffice 1 (6%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – not relevant to my firm 14 (88%) 22 (92%) 27 (87%) 10 (71%) 16 (94%)
Did not use them – other 0 (0%) 0 (0%) 0 (0%) 1 (7%) 0 (0%)
H: Equity from other Sources- Firm lifecycle
Emerging Development Expansion
Start-Up Growth Growth Growth
Yes, Used 1 (10%) 0 (0%) 2 (3%) 1 (8%)
Yes, Applied 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Yes, applied but rejected/ refused to proceed further 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Yes, applied but partially rejected 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – unaware of advantages 1 (10%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – not available in Malta 1 (10%) 0 (0%) 2 (3%) 0 (0%)
Did not use them – traditional bank finance suffices 0 (0%) 0 (0%) 3 (4%) 0 (0%)
Did not use them – internal finance suffices 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – internal and traditional bank finance suffice 0 (0%) 0 (0%) 1 (1%) 0 (0%)
Did not use them – not relevant to my firm 7 (70%) 4 (100%) 66 (88%) 12 (92%)
Did not use them – other 0 (0%) 0 (0%) 1 (1%) 0 (0%)
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