Edwards, Pamela; Turnbull, Peter W. - In: International Journal of Bank Marketing 12 (1994) 6, pp. 3-9
Finance for longer‐term investment continues to be identified as a problem in the small and medium‐sized enterprise … market. Recently the finance gap has been attributed to the use of capital gearing as a lending assessment technique. Income … gearing, which would take account of the borrower′s expected future income flows may help to close the finance gap. Using a …