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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Disappointing grey skies, with a lot of cloud cover for most of the UK, but it will remain mainly mild for the time of year.
The cricketing landscape has changed following the tragic death of Australia batsman Phil Hughes, writes Mark Austin.
A Conservative MP has denied favouriting an explicit pornographic image on Twitter.