Pierre Williams from the Federation of Small Businesses told ITV News that if the Funding for Lending Scheme fails, the Government will have to "look carefully" at whether high street banks are the 'right conduit'.
The £80 billion scheme will give money to banks on the basis that they provide cheaper loans to kick-start lending.
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Not as cold as recent nights - any frost will be confined to parts of Scotland and East Anglia where temperatures will dip below freezing.
A police chief constable has defended his force's handling of child sex allegations against former prime minister Sir Edward Heath.
John Cleese has paid tribute to his "wonderful" Fawlty Towers co-star, Andrew Sachs, following his death at the age of 86.