With an almost daily stream of contributors berating the banking system for not supporting UK businesses, especially SMEs, it is extremely easy to get sucked in to believing that the world of finance has simply closed its doors and pulled down the blinds.

Whilst I do not wish for a second to position myself as an apologist for the mainstream banks, many of whom are clearly using various rounds of QE to bolster their balance sheets, I am nevertheless struck by how one dimensional the debate has become.

The world before the recent finance crisis was an entirely different one to the space we inhabit today. By way of example, think back about how much mail used to land on your door mat back then offering loans, credit cards and so forth all gilded with fantastic low/zero interest rate offers. How much of this junk mail do you get today?