It has been claimed that Irish banks are refusing almost half of the credit applications being made by small businesses.
A survey by Irish Small and Medium Enterprises also indicates that 79% of firms found that banks were making it more difficult to get credit.
Those that were successful said they were being penalised with higher interest rates and charges.
ISME Chief Executive Mark Fielding said the bailed-out Irish banks had ignored Government instructions to get credit flowing again.
He called on the new Government to instruct banks to open up credit lines to business.
