Data for Ireland, Luxembourg, Mexico and Turkey were not available at the time of publication. For Australia, data refer to 2012-13, for Chile, data refer to 2009-10, for Japan, data refer to 2009-11, for Korea, data refer to 2011 -13, for Mexico, data refer to 2010-2011, for Brazil, data refer to 2009-11, for the Russian Federation, data refer to 2011 -13, for India, data refer to 2010-11. High amounts of required collateral or little proof of previous performance may prove to be barriers for SMEs to access credit.