Michael McGrath (Cork South Central, Fianna Fail) | Oireachtas source

I am trying to get to the reason the numbers are so low. Will Mr. Trethowan give me an indication of the timeframe from when an SME first submits an application for a loan to the bank to when the application eventually ends up on his desk? I know the SME must first get a decision from the bank and then appeal the decision within the bank and that it is only following that decision that it can make an appeal to the Credit Review Office. What is the typical length of time involved?