Survey on the Access to Finance of companies regarding the use of relevant resources of finance, needs, problems, expectations


In 2008, the ECB and DG for Internal Market, Industry, Entrepreneurship and SMEs of the European Commission established the Survey on the Access to Finance of Enterprises (SAFE). These surveys, are conducted across Europe on an annual basis.

The 2021 wave covers 16.000 companies from 36 countries: the EU27 Member States and Albania, Bosnia and Herzegovina, Iceland, Kosovo[1], Montenegro, North Macedonia, Serbia, Turkey, and the United Kingdom. This report presents the results of the 2021 wave and includes significant developments since 2014.

As part of the research, based on their experience over the period April – September 2021, SMEs answered questions that are important for access to finance, regarding the use and relevant sources of funding, needs, availability, and expectations.

More information about the research, the results of the research, and the results per country is available at the following link:


[1] This designation is without prejudice to positions on status, and is in line with UNSCR 1244/1999 and the ICJ Opinion on the Kosovo declaration of independence.