David Prosser

David Prosser is a former business editor of The Independent who now writes for a variety of publications, often focusing on small and medium-sized enterprises and entrepreneurship.

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Small Talk: SMEs which can't get off the ground are the real headache

As former regulator Sir Andrew Large begins yet another inquiry into whether banks are starving small businesses of credit – in his case, specifically Royal Bank of Scotland – it is worth asking whether we are worrying most about the right people. The small and medium-sized enterprises that believe they have been unfairly turned down for lending may complain this is inhibiting their growth potential, but at least they were able to get off the ground in the first place. The next generation of SMEs may not be so fortunate.

Small Talk: Crowdfunding can flourish but it still needs a watchdog

Raise your glasses to BrewDog, the Scottish brewery company in the middle of a £4m growth capital campaign. It is raising the money from equity investors through a private share sale and looks likely to hit its target with no difficulties at all – £1m came in on the first day of the share issue.

Small Talk: It's time SMEs got a better deal on banks competition

The financial crisis may have sent economic growth into a tailspin, but it has been a major boon for one cottage industry: there is no end in sight to the inquiries and investigations into banking that the crisis has prompted. Still, the latest of these inquiries, an Office of Fair Trading investigation into competition in banking for small and medium-sized enterprises, represents an important opportunity.

Small Talk: Your data may be safer in the clouds, despite the latest security furore

While the furore over the US data surveillance programme Prism raged last week, Microsoft published a little-noticed research note that suggests too many small and medium-sized enterprises in the UK may be missing out because of their anxiety about data privacy and security.

Small Talk: It's a misconception that we're tying ourselves up in red tape

Having been embarrassed by yet another set of disappointing figures on bank lending to small businesses last week, Government ministers were understandably keen to get back on the front foot. So Business Minister Michael Fallon must have been delighted to be able to make a set-piece announcement about a crackdown on all the ghastly red tape preventing small and medium-sized enterprises getting on with the day job.

Small Talk: Rowing back on tax relief cuts for VCTs will lift SMEs

Small businesses' difficulty in accessing bank finance is routinely cited as one of the major obstacles holding back growing companies. No doubt that's true, but the focus on bank debt has overshadowed other funding pressures on small and medium-sized enterprises (SMEs), notably the huge problems encountered by many small companies which are looking for growth capital.

Small Talk: Small firms find justice hard to come by in swaps scandal

Banking analysts often draw parallels between the payment protection insurance mis-selling scandal and the continuing controversy over interest rate swap contracts wrongly sold to small and medium-sized enterprises. There are certainly similarities – not least in the avaricious behaviour of banks' sales staff who peddled both products – but a crucial difference in the regulatory response means many SMEs may find it much harder to get redress than PPI victims.

Small Talk: Have we got the right target if Aim shares can go into an Isa?

The big issue is whether investors should go into a market that is often illiquid and volatile

Small Talk: It will take years to solve the zombie problem – if it exists

There are two contradictory ways to look at the latest statistics on corporate insolvencies for England and Wales, which fell sharply during the first three months of the year for the fifth successive quarter. They either make a nonsense of the idea that an army of zombie companies threatens to undermine the economy's recovery, or confirm our worst fears.

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