Market Gaps on Access to Finance - Bank of Valletta

C: Bank overdraft, credit line or credit cards overdraft- Firm Lifecycle
Emerging Development Expansion
Start-Up
Growth
Growth
Growth
Yes, Used 5 (50%) 3 (75%) 59 (79%) 8 (62%)
Yes, Applied 0 (0%) 0 (0%) 4 (5%) 2 (15%)
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 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – not available in Malta 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – traditional bank finance suffices 0 (0%) 0 (0%) 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%)
suffice 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – not relevant to my firm 5 (50%) 1 (25%) 12 (16%) 3 (23%)
Did not use them – other 0 (0%) 0 (0%) 0 (0%) 0 (0%)
D: Bank Loans- Firm size
1 - 9: Micro 10 to 49: Small 50 to 249: Medium
Yes, Used 25 (51%) 25 (66%) 15 (100%)
Yes, Applied 1 (2%) 1 (3%) 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 0 (0%) 0 (0%) 0 (0%)
Did not use them – not available in Malta 0 (0%) 0 (0%) 0 (0%)
Did not use them – traditional bank finance suffices 0 (0%) 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 0 (0%) 0 (0%) 0 (0%)
Did not use them – not relevant to my firm 23 (47%) 12 (32%) 0 (0%)
Did not use them – other 0 (0%) 0 (0%) 0 (0%)
D: Bank Loans- Economic sector
Manufacturi Retail/ Tourism /
Life
Sciences Other
ng
Distribution Hospitality and ICT Services
Yes, Used 12 (75%) 17 (71%) 18 (58%) 7 (50%) 11 (65%)
Yes, Applied 0 (0%) 0 (0%) 2 (6%) 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%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – not available in Malta 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – traditional bank finance suffices 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – internal finance suffices
Did not use them – internal and traditional bank
0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
finance suffice 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – not relevant to my firm 4 (25%) 7 (29%) 11 (35%) 7 (50%) 6 (35%)
Did not use them – other 0 (0%) 0 (0%) 0 (0%) 0 (0%) 0 (0%)
D: Bank Loans- Firm lifecycle
Emerging Developmen Expansion
Start-Up Growth t Growth Growth
Yes, Used 3 (30%) 3 (75%) 49 (65%) 10 (77%)
Yes, Applied 0 (0%) 0 (0%) 2 (3%) 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 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – not available in Malta 0 (0%) 0 (0%) 0 (0%) 0 (0%)
Did not use them – traditional bank finance suffices 0 (0%) 0 (0%) 0 (0%) 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%) 0 (0%) 0 (0%)
Did not use them – not relevant to my firm 7 (70%) 1 (25%) 24 (32%) 3 (23%)
Did not use them – other 0 (0%) 0 (0%) 0 (0%) 0 (0%)
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