The bi-annual SME Pulse report from Aviva has revealed 65 per cent of firms with 26 to 100 employees believe SME lending schemes are the most important factor in influencing business sentiment.
According to the survey of 500 SME owners, 60 per cent of companies believe business confidence is impacted by improvements in policies such as relief on business rates.
With positivity so heavily reliant on lending schemes and bank funding, it is vital SMEs are up to date on all the funding on hand to help them grow their businesses.
The Funding for Lending Scheme (FLS) was launched in July 2012 to enable banks to deliver more cash to small business owners and Aldermore has played a significant role in getting it off the ground.
As well as proving to be a strong lender since the introduction of the FLS, it has also provided more than £1 billion to SMEs since its establishment in 2009.
With that in mind, small companies can look to the Bank for help with government funded schemes, or alternative solutions for boosting their business.
The Aviva research revealed 37 per cent of respondents are looking to grow their business, with the main motivation to boost revenue.
More than a third of companies planning to increase in size want to benefit from economics of scale, while 27 per cent simplify feel now is the right time to grow.
Commercial product manager at Aviva David Bruce said: "There is a growing focus and importance on the sector in driving economic recovery and this optimism is further substantiated by the number of SMEs predicting ambitious growth plans for 2013.
"These are the very businesses that are vital and lie at the heart of Britain's economic recovery."
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