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

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  • Ross Brown
  • José Liñares-Zegarra
  • John O. S. Wilson

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.

Suggested Citation

  • Ross Brown & José Liñares-Zegarra & John O. S. Wilson, 2019. "Sticking it on plastic: credit card finance and small and medium-sized enterprises in the UK," Regional Studies, Taylor & Francis Journals, vol. 53(5), pages 630-643, May.
    • Handle: RePEc:taf:regstd:v:53:y:2019:i:5:p:630-643
    DOI: 10.1080/00343404.2018.1490016
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    Cited by:

    1. Jagjit S. Chadha & Issam Samiri, 2022. "Macroeconomic Perspectives on Productivity," Working Papers 030, The Productivity Institute.
    2. Hossain, Mohammad Rokibul & Akhter, Fahmida & Sultana, Mir Misnad, 2022. "SMEs in Covid-19 Crisis and Combating Strategies: A Systematic Literature Review (SLR) and A Case from Emerging Economy," Operations Research Perspectives, Elsevier, vol. 9(C).
    3. Chen, Jingyuan & Calabrese, Raffaella & Cowling, Marc, 2024. "Does energy efficiency of UK SMEs affect their access to finance?," Energy Economics, Elsevier, vol. 129(C).
    4. Martin Andersson & Johan E. Eklund & Alexandra Tsvetkova, 2023. "Spatial variations in financial constraints of SMEs—evidence from firm-level estimates of investment-cash flow sensitivities in Sweden," Small Business Economics, Springer, vol. 60(4), pages 1683-1698, April.
    5. Xu, Nana & Yuan, Yan & Rong, Zhao, 2022. "Depressed access to formal finance and the use of credit card debt in Chinese SMEs," China Economic Review, Elsevier, vol. 72(C).

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