The Business Barometer Report from office solutions provider Business Environment surveyed 300 business owners across the country to identify some of the challenges they faced.
It discovered 70 per cent of respondents expect their industries to grow in the first quarter ending in March, despite flat economic growth recorded in the final three months of 2012.
The study also claimed that "the smaller the firm, the more positive they were about their business' future", with 68 per cent of companies with between one and nine employees claiming they were positive about the future of their firm.
It is perhaps unsurprising, however, that the most commonly-cited barrier to liquidity was a lack of credit from banks (37.7 per cent), followed by late payments (19 per cent).
However, there are options available to British businesses in need of financing so it is worth examining all the possibilities before succumbing to poor lending expectations.
Invoice finance from Aldermore could be the ideal solution for SMEs looking to overcome a lack of finance to grow and develop in the months and years ahead.
Through factoring, the firm can benefit from up to 90 per cent of all approved invoices without having to worry about chasing late payments.
The Bank will follow up clients for cash owed which can help with customer retention rates as SMEs avoid the potential for relations to turn sour when late payments become an issue.
And customer retention could well be key in the current economic headwinds, with both businesses and consumers failing to spend.
The National Institute of Economic and Social Research has even said it is paramount for spending to increase if the UK is to climb out of its weak economic position.
It said today (February 5th): "Recovery depends upon a resumption of consumer spending, while balanced recovery also requires the resumption of corporate spending and a pick-up in export growth."
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