The Chancellor will soon decide whether to inject more money into UK banks as evidence grows that the initial £37bn bail-out has not stimulated borrowing as expected.
This follows a report released by the Bank of England that banks decreased lending in the final quarter of 2009 and are currently planning even tighter restrictions.
Despite the £37bn taxpayer's bailout many small business owners still struggled to access funds from their banks and saw charges for overdrafts and lending actually increase.
"The government is going to have to do more to restore credit flows across the country," said Richard Lambert of the Confederation of British Industry.
Without firmer government control of the banks to make them increase lending, it is unclear what any further cash injection into banks would actually achieve.