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  "documentTitle": "Creating the best SME Debt finance ecosystem",
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  "authorName": "Oliver Wyman",
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  "notes": "The slide uses a combination of stacked bar charts for loan volumes and grouped bar charts for market share growth.",
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      "text": "Non-bank lenders – so called “Alternative Finance Providers” – are gaining rapid market share in the smaller loan segments.",
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      "text": "Market share Alternative Finance Providers - % of new SME lending volume",
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      "text": "SME loan book (outstanding loans) - top three banks",
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      "text": "Key trends: SME loan book decrease and AFP market share gain.",
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      "text": "Market share: 45%",
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      "kind": "source-note",
      "text": "1. Lending by major Dutch banks to Dutch SMEs, DNB, 2023; 2. SMF, 2023",
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      "kind": "title",
      "text": "BANK LENDING CHALLENGES: BANKS HAVE LOST MARKET SHARE TO AFPS",
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      "evidence": "The document provides evidence and proof of the challenges faced by SMEs in accessing debt, including data on bank lending and alternative finance providers.",
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