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SME FINANCE AT THREE-YEAR LOW
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SME finance at three-year low
The amount of small businesses using external finance is at its lowest level in three years, a survey suggests. And although seven in ten businesses applying for an overdraft or bank loan are accepted there is a “perception” that they’ll be turned down.
Thirty-nine per cent of the 5,000 Small and Medium-sized businesses questioned had used external finance in the first quarter of this year – the lowest level since the quarterly SME Finance Monitor began in early 2010, and down from 50% in the same period last year.
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News from Martlet Partnership
Auto-enrolment becomes Law
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Auto-enrolment becomes Law
Pension automatic-enrolment plans and an increase in state pension age (SPA) have become law following Royal Assent being granted to the Pensions Bill.
From next October workers will have to be automatically enrolled into their employer’s qualifying pension scheme without any active decision on their part – though they will be able to opt-out.
The scheme will be phased in from October 2012 but individual employers’ duties will be introduced gradually over the following four years and will be based on the size of the employer, typically by PAYE size.
The government says small firms with fewer than 50 people on their PAYE schemes will not have to comply until 2014 at the earliest. All employers will be expected to have enrolled their staff by September 2016.
Pension age increase
The Act also accelerates the former Labour government’s planned rise in SPA, so that it reaches 66 in 2020, rather than 2026.
As a result, men’s and women’s SPAs will equalise faster, with women’s SPA hitting 65 in 2018 instead of 2020.
Following pressure for changes to this timetable, to decrease the impact on women in their late 50s, the increase of SPA to age 66 is to be delayed by six months from April to October 2020.
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