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.
More top news
The shocking video of Laquan McDonald being killed brings the debate about racism in the US criminal justice system centre stage once more.
A video of a white police officer shooting dead a black teenager has been released by authorities in Chicago.
Cold in the wind