Market Gaps on Access to Finance - Bank of Valletta
Market Gaps on Access to Finance - Bank of Valletta
Market Gaps on Access to Finance - Bank of Valletta
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E Internal finance in your start-up phase [FOR<br />
COMPANIES IN EMERGING GROWTH,<br />
DEVELOPMENT GROWTH OR EXPANSION<br />
GROWTH AS PER Q5]<br />
F External finance in your start-up phase [FOR<br />
COMPANIES IN EMERGING GROWTH,<br />
DEVELOPMENT GROWTH OR EXPANSION<br />
GROWTH AS PER Q5]<br />
1 2 3 4 5 99<br />
1 2 3 4 5 99<br />
Please provide your comments <strong>on</strong> Questi<strong>on</strong> 3:<br />
____________________________________________________________________________________<br />
____________________________________________________________________________________<br />
Q4 - Have you ever used/ applied for any <strong>of</strong> the following sources <strong>of</strong> finance and if not, why?<br />
(Prompt A <strong>to</strong> I)<br />
Yes,<br />
used<br />
Yes,<br />
applied<br />
Yes,<br />
applied<br />
but<br />
rejected<br />
/<br />
refused<br />
<strong>to</strong><br />
proceed<br />
further<br />
Yes,<br />
applied<br />
but<br />
partially<br />
rejected<br />
Did not<br />
use<br />
them –<br />
unaware<br />
<strong>of</strong><br />
advanta<br />
ges<br />
Page | 85<br />
Did not<br />
use<br />
them –<br />
not<br />
available<br />
in Malta<br />
Did not<br />
use<br />
them –<br />
traditi<strong>on</strong><br />
al bank<br />
finance<br />
suffices<br />
Did not<br />
use<br />
them –<br />
internal<br />
finance<br />
suffices<br />
Did not<br />
use<br />
them –<br />
internal<br />
and<br />
traditi<strong>on</strong><br />
al bank<br />
finance<br />
suffice<br />
Did not<br />
use<br />
them –<br />
not<br />
relevant<br />
<strong>to</strong> my<br />
firm<br />
A Nati<strong>on</strong>al Grants/<br />
Public aid<br />
1 2 3 4 5 6 7 8 9 10 11<br />
B EU funds 1 2 3 4 5 6 7 8 9 10 11<br />
C <strong>Bank</strong> overdraft, credit<br />
line or credit card<br />
overdraft<br />
1 2 3 4 5 6 7 8 9 10 11<br />
D <strong>Bank</strong> loans 1 2 3 4 5 6 7 8 9 10 11<br />
E Trade credit 1 2 3 4 5 6 7 8 9 10 11<br />
F Other loan (e.g.<br />
related company/<br />
shareholders, family,<br />
friends)<br />
G Leasing/ hirepurchase/<br />
fac<strong>to</strong>ring<br />
H Equity from other<br />
sources (ex: business<br />
angels, venture<br />
capital funds<br />
I Public issue <strong>of</strong> own<br />
shares or own b<strong>on</strong>ds<br />
Did not<br />
use<br />
them –<br />
other<br />
(PLEASE<br />
SPECIFY<br />
IN<br />
SPACE<br />
BELOW)<br />
1 2 3 4 5 6 7 8 9 10 11<br />
1 2 3 4 5 6 7 8 9 10 11<br />
1 2 3 4 5 6 7 8 9 10 11<br />
1 2 3 4 5 6 7 8 9 10 11<br />
Please provide your comments <strong>on</strong> Questi<strong>on</strong> 4:<br />
____________________________________________________________________________________<br />
____________________________________________________________________________________<br />
Q5 – [TO BE ASKED TO RESPONDENTS WHOSE APPLICATION WAS REJECTED/ PARTIALLY MET IN<br />
Q9] What was the reas<strong>on</strong> for your request being rejected/ <strong>on</strong>ly partially met/ your decisi<strong>on</strong><br />
not <strong>to</strong> proceed further?<br />
General<br />
ec<strong>on</strong>omic<br />
outlook<br />
Company’s<br />
sec<strong>to</strong>r <strong>of</strong><br />
operati<strong>on</strong><br />
Stage in<br />
company<br />
lifecycle<br />
Lack <strong>of</strong> firm<br />
collateral<br />
Company’s<br />
credit<br />
his<strong>to</strong>ry<br />
Refused -<br />
Cost <strong>to</strong>o<br />
high<br />
Refused -<br />
Unacceptabl<br />
e T&Cs<br />
A Nati<strong>on</strong>al Grants/ Public aid (incl. Tax<br />
rebates) 1 2 3 4 5 6 7 8<br />
B EU funds (grants) 1 2 3 4 5 6 7 8<br />
C <strong>Bank</strong> overdraft, credit line or credit card<br />
overdraft<br />
1 2 3 4 5 6 7 8<br />
D <strong>Bank</strong> loans 1 2 3 4 5 6 7 8<br />
E Trade credit 1 2 3 4 5 6 7 8<br />
F Other loan (e.g. related company/<br />
shareholders, family, friends)<br />
1 2 3 4 5 6 7 8<br />
G Leasing/ hire-purchase/ fac<strong>to</strong>ring 1 2 3 4 5 6 7 8<br />
H Equity from other sources 1 2 3 4 5 6 7 8<br />
I Public issue <strong>of</strong> own shares or own b<strong>on</strong>ds 1 2 3 4 5 6 7 8<br />
Other<br />
(PLEASE<br />
SPECIFY)