Linkflow Capital: SME Borrowing Costs Ease to 8.18% in 2025 as Larger Loans Return, but Middle East Conflict Threatens 2026 Outlook
Annual Linkflow Capital research finds SME credit conditions thawed modestly in 2025, with SME borrowing rate declining to an average of 8.18% from a high of 8.47% the preceding year. Bank disbursement times stretched to 33 days on average, against just 7 days for non-bank funders, reshaping where SMEs source credit.