While the recession has made finance tighter for small businesses over the last few years, overdraft facilities are worryingly over-relied upon, according to ABN Amro Commercial Finance.
According to figures from the asset-based lender, 89% of 250 businesses surveyed said they would be unable to survive for more than three months without a facility.
A further 71% of small businesses have had their overdraft limits reduced by their finance providers, while more than two-thirds use it to cover up gaps in their cashflow.
AccountingWEB explores ABN Amro's findings, what kinds of business it is most important for and views from the community.
Managing director of ABN Amro Peter Ewen was worried about the statistics.