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

Ross Brown, José Liñares-Zegarra and John Wilson

Regional Studies, 2019, vol. 53, issue 5, 630-643

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 data set of UK SMEs, the results of a regression-based analysis suggest that firms located in peripheral geographical 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 future.

Date: 2019
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Persistent link: https://EconPapers.repec.org/RePEc:taf:regstd:v:53:y:2019:i:5:p:630-643

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DOI: 10.1080/00343404.2018.1490016

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