As predicted, the second quarter of 2014 saw a tentative softening in lender’s attitudes. Ever so slowly and carefully some of the major banks have been removing odd bricks from the defensive wall which had been stopping their lending to businesses.

Mind you, only two of the banks are lending anything like normally, three are trying to get their acts together, one is a mystery and two have virtually shut up shop.

Fortunately there are a few newer lenders coming into the marketplace: InterBay are back, joining Aldermore and Shawbrook in offering real alternatives.

Crowdfunders such as Funding Circle and Platform Black have really established themselves, are widening their remit and growing exponentially.

And the short term lenders have grown rapidly in number, strength and service offering.

On to 2014…