Professor David Storey and I collaborated on several projects including UKSMEF and research into discouraged borrowers. The aims of UKSMEF (conducted in 2004, 2008, and 2009) were to: (1) provide benchmarking data on the availability and cost of finance to SMEs and the types of finance used by SMEs; (2) collect information on the relationship between SMEs and their providers of finance; and (3) develop a general-purpose micro database for quantitative research on small-business finance. Key policy impacts of UKSMEF include: analysis of access to finance for ethnic-minority and creative-industry businesses for the UK Government; providing empirical evidence to justify the £4bn Enterprise Finance Guarantee as part of the UK Government’s response to the 2008 financial crisis; and analysis of changes in bank-lending conditions, following the financial crisis, for the UK-Government-commissioned Breedon Taskforce. UKSMEF has been cited in leading academic journals on a range of SME-finance topics, including discouraged borrowers, and its success helped inspire subsequent SME-finance surveys. This chapter also discusses Professor David Storey’s seminal contribution, with Professor Yoshinori Kon, to the theoretical understanding of discouraged borrowers (Kon and Storey, 2003). Kon and Storey's paper provides the theoretical basis for empirical studies of discouraged borrowers using UKSMEF and related surveys.