Interest rate spreads are rather high compared to large industrial countries, but they are about what you will find in other small countries and regions. Established firms are usually able to secure the financing they need for capital projects and equipment from a combination of sources, with an emphasis on equity and retained earnings.
We may infer this from a comparison between identified sources of long term finance from banks, insurance funds and credit unions on the one hand, and annual estimates of capital formation in the country on the other hand. However, among financiers there is an understandable preference for real estate and distribution activity, where perceived risks are lower, and collateral security is more readily available.