Britain's struggling smaller-scale firms face a £22 billion shortfall in the amount of credit they can access by 2017, according to the National Audit Office.
The spending watchdog warned that around four out of 10 emerging small and medium-sized enterprises (SMEs) have their applications for a bank loan rejected, despite a number of Government schemes to improve lending.
Labour's shadow health secretary Andy Burnham has warned that the NHS could be "on the brink of a very dangerous winter" as A&E departments are increasingly overcrowded.
He was speaking as a new report by the National Audit Office finds that more people are being admitted to hospital through A&E departments than ever before, and that many of these admissions are avoidable.
Mr Burnham told Daybreak that older people are "drifting towards A&E in ever greater numbers" as care facilities in the community are taken away.
Health Secretary Jeremy Hunt said the Government knows "demand for A&E services is increasing as the population ages".
Mr Hunt said: "That's why we are tackling both the short and long-term problems: transforming out of hospital care by reversing the disastrous changes to the 2004 GP contract, joining up the health and social care system, and backing A&Es with £250 million to prepare for this winter.
"Winter is always tough, but the NHS has never been more prepared, and in the face of unprecedented demand A&E performance has never been stronger."
Accident and Emergency departments are under increasing pressure, which is leading to high numbers of patients being admitted, according to a National Audit Office (NAO) report.
The study found many emergency admissions through A&E are avoidable and many patients stay in hospital "longer than is necessary".
Factors putting pressure on A&E include patients finding the range of NHS services "confusing", poor access to out-of-hours GP care in some areas and the four-hour A&E waiting time target, which means patients cannot be kept in A&E for observation.
The introduction of the 111 non-emergency telephone number for the NHS also had a negative impact on A&E, it found.