SMEs 02-07-2012 22pc of SMEs struggle to survive due to cash flow shortage Bibby s Survey provides insight into the biggest concerns of small business owners. Bibby’s Survey provides insight into the biggest concerns of small business owners. Conducted in February 2012… Sign in or Upgrade to Continue Reading This news article is over 10 days old. Subscribe today to access all articles with an annual subscription. Become a member Learn more Already a subscriber? Log in here #bad debts#financial services#interest rates#payment terms#smes