Small-scale debtor? (8)

I believe the answer is:

borrower

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'debtor?' is the definition.
(debtor is a kind of borrower)

I cannot understand how the remainder of the clue works.

(Other definitions for borrower that I've seen before include "Neither this nor a lender be, they say" , "one temporarily in debt" , "who has ignored advice of Polonius" , "Debtor" , "One taking out a loan" .)

I've seen this clue in The Independent.

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