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With the success of crowd funding and the growth of Peer to Peer lending players such as Zopa - giving SMEs the opportunity for new forms of finance the banks are waking up to the opportunity this platform may offer their customers.

Reports that business confidence is now at its highest level in 20 years have been borne out by the latest late payment analysis from Lovetts Plc, they have found that based on the volume of invoices being issued and now being chased for payment, businesses have got busier, since Q1 2014, but are also battling late payment as the number of bad debts on their books has jumped by almost a third.

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