Historically, many UK businesses have been averse to raising external finance at the expense of growth. Others have lacked awareness of the financing options available. Government has put in place some tools to provide advice, support, and services to businesses, but we now have a fragmented landscape that hampers effective communication. The new British Growth Service provides an opportunity to streamline and integrate the various business finance and support initiatives, such as the Bank Referral Scheme and Finance Hubs. (Conclusion, Paragraph 58)