France SME cash credit applied: past 3M
France SME cash credit applied: past 3M stood at 6.38% in Q2 2026, according to ECB Data Portal – Bank lending survey (BLS), France. It is one of the indicators in the Credit conditions surveys table (Value · Quarterly), with a complete series running from Q2 2012 to Q2 2026. The complete series with an interactive chart, free to download.
This indicator in the Credit conditions surveys table
| Indicator | Q2-2026 | Q1-2026 | Q4-2025 | Q3-2025 | Q2-2025 | Q1-2025 | Q4-2024 | Q3-2024 | Q2-2024 | Q1-2024 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Small and medium-sized enterprises (SMEs) | |||||||||||
| Applied for cash credit in the last 3 months | 6.38 | 5.76 | 5.66 | 5.77 | 5.62 | 5.37 | 6.04 | 5.59 | 5.92 | 5.19 | |
| Obtained 75% or more of requested cash credit | 82.63 | 81.9 | 85.28 | 82.98 | 85.22 | 83.78 | 82.72 | 83.33 | 77.55 | 85.58 |
Understanding france SME cash credit applied: past 3M
Intermediate-scale corporate entities report their active engagement in pursuing short-term operational liquidity through formal credit channels, setting this metric apart from measures tracking long-term capital formation or unexercised credit lines. The survey captures the proportion of mid-sized business units that initiated new applications for working capital within the designated timeframe. This scope excludes informal borrowing from non-bank sources and focuses strictly on institutional credit engagements.
When reviewing these figures, analysts must weigh potential seasonal liquidity squeezes that routinely alter short-term borrowing demands across different periods of the year. Sequential quarterly comparisons provide the clearest signal of changing corporate liquidity needs, overshadowing annual benchmarks which can obscure short operational cycles. These figures should be evaluated alongside approval metrics to gain a complete picture of credit market dynamics.
Frequently asked questions
- What specific type of financing does this series track?
- It covers short-term cash credit and working capital applications submitted by mid-sized firms.
- Does this include informal loans between businesses?
- No, the survey tracks formal credit requests directed toward institutional lenders.
- Why are sequential quarterly comparisons preferred over annual ones?
- Working capital needs often fluctuate with short-term operational cycles, making quarter-on-quarter tracking more informative than year-on-year analysis.