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Small Talk: Lots of funding initiatives but precious few achievements

The patchwork quilt of different measures designed to fund the growth of small and medium-sized enterprises is at last being knitted together. But goodness, progress is slow.

Small Talk: Volume may be a problem for investment trusts

The investment-trust industry, which has long been the poor relation of open-ended funds such as unit trusts, is rubbing its hands with glee at the prospect of the retail distribution review. The regulatory shake-up of financial advice, which takes effect on 1 January, will ban providers from paying commissions to advisers who recommend their products to clients. Investment trusts, as quoted companies, have never been able to do this and blame commission bias for the fact financial advisers neglected the sector in favour of open-ended funds.

Small Talk: Osborne prolongs the great business rates robbery

All Chancellors give with one hand only to take with another – that's the job – but for far too many small businesses, George Osborne's Autumn Statement only prolongs the agony. For all the talk of targeted help for small businesses, the great business rates robbery will continue.

Small Talk: Stalemate over new bank is disappointing

Wednesday's Autumn Statement looks set to see another chance to boost small and medium enterprises go begging. Despite months of discussions, it's almost certain George Osborne will not be able to unveil the blueprint for a state-backed business bank. The Chancellor and his officials have apparently failed to reach agreement with Vince Cable's Department for Business on the detail. This is unhelpful, for the arguments over bank lending to SMEs have reached a stalemate.

Small Talk: Why the seed enterprise scheme fell on stony ground for the Treasury

Sometimes, you can't even give your money away. That must be the feeling among those ministers who have had a hand in the Seed Enterprise Investment Scheme.

Small Talk: Few entrepreneurial role models for risk-averse British

Who are the role models for Britain's aspiring entrepreneurs and small business founders? There are surprisingly few – anyone who works with small and medium-sized enterprises will quickly become accustomed to the same faces used to promote the sector's campaigns.

Small Talk: Let's give a warmer welcome to Vince and his Business Bank

Government isn't much fun – just ask Business Secretary Vince Cable, who in pre-coalition days was routinely lauded as politics' voice of reason, but who today has barely a friend to his name. The latest Vince wheeze to get a kicking is the Government's new Business Bank, which he hopes will be able to turn £1bn of taxpayers' money into £10bn worth of support for small and medium-sized enterprises.

Small Talk: Cameron plan to ease cash flow for SMEs could be a winner

Having failed to force Britain's banks to lend more to small and medium-sized enterprises, it appears the Prime Minister now hopes to persuade our largest companies to do their bit instead.

Small Talk: Helping hand with cash flow – but urgent questions, too

Desperate times call for desperate measures. There is good reason to think the Government's new supply chain finance initiative will be successful – in that sense it is to be applauded. But the fact David Cameron last week felt it necessary to ask the bosses of Britain's biggest companies to back the scheme shows just how dysfunctional the operating environment for small businesses has become.

Small Talk: Give them credit if we want the minnows to do big things

Do this week's third-quarter GDP figures represent an opportunity? Ask any fund manager where in the stock market you should place your bets in the event of an economic recovery and the answer is likely to be the same: most statistical analysis suggests that smaller companies tend to outperform during the first stage of an upswing.

Small Talk: Rollovers don't do SMEs any favours as energy prices soar

Many contracts feature very short clauses in which break clauses must be activated

Small Talk: Only time will tell if sceptics are wrong on StartUp Loans

Elena Mingas is carrying a great deal of responsibility on her young shoulders. A 24-year-old dressmaker from Bury, Ms Mingas has just been named as the first beneficiary of the new StartUp Loans scheme, the initiative the Government launched in the Budget earlier this year to encourage entrepreneurialism among young people.

Small Talk: 'Scrap cheques' call to help SMEs fight late payments

When consumer groups forced the banking industry to abandon its plans to abolish cheques in 2018, it was celebrated as a populist victory. But it turns out that not all customers are so pleased. The British Chambers of Commerce says getting rid of cheques would be one way to tackle the late payments problem that continues to dog so many small and medium enterprises (SMEs).

Vince Cable’s new bank
will be up and running
within 18 months and
hopes to lend £10bn

Cable reveals plan for £1bn bank to help small business

Coalition agrees to fund manufacturers directly after pleas to high-street lenders fail

Small Talk: the story of your life – and a tale of modern business

Who says British companies can't be entrepreneurial as well as inventive? Meet OMG, the Oxford-based technology business which will today unveil its first foray into the retail sector: a new type of camera that stands a genuine chance of changing the market.

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Day In a Page

The 2012 Independent Quiz Of The Year

The 2012 Independent Quiz Of The Year

Test your knowledge, courtesy of the compilers of Whitaker’s Almanack
Football quotes of the year

Football quotes of the year

Our football folk spluttered out a whole range of memorable morsels during 2012
Ready to eat: the first GM fish for the dinner table

Ready to eat: the first GM fish for the dinner table

US decision after 17-year battle over fast-growing salmon could pave way for same step in Britain
O little town with big ideas: Welcome to Bethlehem

O little town with big ideas

Bethlehem turns to tourism
IoS Christmas Appeal: All they want for Christmas? Freedom from fear

IoS Christmas Appeal

All they want for Christmas? Freedom from fear
Jerome Flynn: 'Being a pop star? It was a Disney ride...'

Jerome Flynn: 'Being a pop star? It was a Disney ride...'

Actor, singer, recluse: he has walked a long and less-travelled road since 'Soldier Soldier' – and now he's back in a new prime-time thriller
The IoS's Great Britons 2012

Great Britons 2012

The IoS presents its top 101 stars of the past year; inspirational characters who moved and uplifted us all. Plus the year's Plonkers − better luck in 2013, chaps
Long live the spirit of our family Christmas

David Randall: Long live the spirit of our family Christmas

Reports of festive ill will and tedium are exaggerated. Like our Victorian forebears, most of us will be making our own fun at home together
Big Yellow Taxi? Not in Washington DC

Rupert Cornwell: Big Yellow Taxi? Not in Washington DC

The city's notoriously laissez-faire taxi industry faces regulation of fares and routes at last. But how should they be painted?
Fallen angel: How Lily James is bringing scandal to Downton Abbey this Christmas

Fallen angel: Lily James is bringing scandal to Downton Abbey

She might have been banished from the Abbey, but that won’t stop Lily James from wreaking havoc on Downton’s Christmas.
A year in The Thick of It: Political life had a way of imitating art again and again during 2012

A year in The Thick of It...

Political life had a way of imitating art again and again during 2012
Hot Stuff! The trends of 2012

Hot Stuff! The trends of 2012

Dancing to a South Korean pop song while pretending to be a horse was one of the more unusual, or rather, inexplicable hits of the past 12 months
Away from the manger: Meet the people who spend Christmas in extraordinary circumstances

Away from the manger

Meet the people who spend Christmas in extraordinary circumstances
Famous relationships: Romance? Showmance? Fauxmance?

Romance? Showmance? Fauxmance?

Henry VIII and Anne, Kylie and Jason, Simon and Carmen – The IoS weighs up the evidence about the true nature of these famous relationships
Yule rules: Your guide to having a middle-class Noël

Yule rules: A middle-class Noël

The authors of ‘The Art of Being Middle Class’ present their essential guide to surviving yuletide