Market Gaps on Access to Finance - Bank of Valletta

Please provide your comments for Question 5:
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Q6 - Would you apply for any of the below types of financing if offered locally? Why? Why not?
Yes No Don’t Know
A National Grants/ Public aid (incl. Tax rebates) 1 2 4
B EU funds (grants) 1 2 4
C Bank overdraft, credit line or credit card overdraft 1 2 4
D Bank loans (incl. EU programmes like JEREMIE) 1 2 4
E Trade credit 1 2 4
F Other loan (e.g. related company/ shareholders, family, friends) 1 2 4
G Leasing/ hire-purchase/ factoring 1 2 4
H Equity from other sources (e.g. Business angels, seed funding, venture
capital, securitized mezzanine finance)
1 2 4
I Public issue of own shares or own bonds 1 2 4
Please provide your comments for Question 6:
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[FOR RESPONDENTS WHO HAVE USED/ APPLIED FOR A LOAN IN Q9]
Q7 - What is the size of the last loan, of any kind, that your firm has obtained in the last two years?
- Smaller than €25,000 ................................................................................................... 1
- €25,000 - €99,999 ...................................................................................................... 2
- €100,000 - €1 million ................................................................................................... 3
- Over €1 million ............................................................................................................. 4
Q8 - What did you use this last loan for?
- Working capital ............................................................................................................ 1
- Land/ buildings or Equipment/vehicles ........................................................................... 2
- R&D or intellectual property .......................................................................................... 3
- Promotion .................................................................................................................... 4
- Staff training ................................................................................................................ 5
- Buying another business ............................................................................................... 6
- Other (PLEASE SPECIFY) __________________________________________________________ 7
3 Financing – A National perspective
In this section we will overview respondents’ perception of the overall availability of financing
assistance to SMEs.
Q9 - Do you think that access to external funding (non-bank loans) for Maltese SMEs is easy in
Malta?
- Very easy..................................................................................................................... 1
- Relatively easy ............................................................................................................. 2
- Relatively difficult......................................................................................................... 3
- Very difficult............................................................... ................................................. 4
- Can’t Say (Do not Suggest)............................................................................................. 5
Please provide your comments for Question 9:
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