Extract . . .
Bank fees and costs for small and medium-sized enterprises (SMEs) have risen since the end of last year.
The Institute of Chartered Accountants in England and Wales (ICAEW) says many small businesses are unable to borrow from banks, because their lending criteria are too restrictive.
Banks say demand has fallen as firms focus on paying back existing loans.
Link
http://www.bbc.co.uk/news/business-11043081
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