Access to funding is not getting any easier for the UK’s SMEs. With most businesses unwilling or unsuited to raising traditional venture or growth capital, and with a scarcity of bank loans and overdrafts, there is an increasing focus on the alternatives. To an extent, asset-based lenders (banks or others who provide invoice or asset-based finance) have stepped into the fray and tax-incentivised business angel activity appears to be increasing, but there’s a never-ending demand.