The Prime Minister might like to talk tough about getting the banks to lend to small businesses but the evidence on the ground is that it is not getting easier to access credit.
Small firms have been victims of tightening credit for two years plus and there had been some hope that a change of government and more focus on the private sector would bring a change in results.
According to the latest findings from the Forum of Private Business the loans and overdrafts enjoyed by its members have gone down in the first half of this year.
Only 1% of respondents said access to finance has improved and 15% said it has worsened and 67% have seen no changes in their ability to access to finance.
"According to our members, demand is certainly there but lenders are not providing the funding or the levels of service that they should be. They are telling us that creeping costs and charges are making finance that is available less accessible."