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Sticking it on plastic: credit card finance and small and medium-sized enterprises in the UK

Research output: Contribution to journalArticlepeer-review

Abstract

This paper investigates the role of credit card financing in UK small and medium sized enterprises (SMEs) and how this varies by location and business orientation. Using a large scale dataset of UK SMEs, the results of a regression based analysis suggest that firms located in peripheral geographic areas have greater usage of credit cards relative to counterparts located in ‘core’ locations. Innovative, growth, and export-oriented SMEs are also more inclined to use credit card financing. Moreover, SMEs that use credit cards as a form of improvised financial ‘bootstrapping’ are more likely to seek additional funding sources in the future.
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Original languageEnglish
Pages (from-to)630-643
JournalRegional Studies
Volume53
Issue number5
Early online date31 Jul 2018
DOIs
Publication statusPublished - 4 May 2019

    Research areas

  • Finance, Small and medium-sized enterprises (SMEs), Credit cards, Bootstrapping, Peripheral locations, Thin markets

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