There has been much criticism about the lack of credit available to small businesses and the banks have been bashed for not lending enough. However, Jeremy Malindine from renewable energy expert Puragen, paints a different picture SMEs do face the challenge of obtaining credit – whether it’s an established business that needs capital to help it expand or an entrepreneur that wants to start up. However, there are numerous pots of money that SMEs can tap into –  it’s just a case of knowing where to go and as some are not that well publicised, it can seem like there aren’t many options.