So much FUD, so little time...
funding will be tougher to find and more expensive... Really? If your ideas are interesting, Kickstarter will be happy to take on your project.
no local banks... Really? That does not make any sense. The best you can do, then, is to start your own bank in Scotland. Agreed, that is not an easy project to undertake, but, remember... "That's where the money is"! Besides, the City is a den of thieves, Scottish people should vote "Yes" just to get rid of the whole sorry mess.
access to EU markets and the freedom of movement will be curtailed... Really? Even though the leaders of the SNP, campaigning for independence, have said repeatedly that they would apply for EU membership right away? Why would they do that, now, since the EU is in a deep economic and institutional slump, is completely beyond me, but still...
Seriously, this is FUD, pure and simple, from Mr McKenzie. A bit of advice for the "No" camp: you can probably have much better, and much more convincing arguments than that. If this is the best you can do, you deserve to be roundly beaten by the "Yes" camp.
And, on a more personal note: "Votez 'Oui', amis écossais ! Juste pour emmerder les Anglais !". The Auld Alliance shall rise again! ;-)
(That last line said firmly tongue in cheek, of course).