One must question whether there availability of finance to SMEs is any different today, compared to say 30 or 40 years ago.
This follows the assumption that because many governments in the world are attempting to reduce poverty and unemployment through the creation of SMEs, the number of SMEs requiring funding has obviously grown.
The second question that begs, is whether or not the reason that many of the SMEs who today are seeking finance and being refused, is that these government efforts are bringing people into the sphere of entrepreneurship, when in fact they are best suited to at best small business managers, and at worst survivalist entrepreneurial activities.
The final question, is whether or not the banks by now should have created a new methodology for assessing SME loan applications. The worldwide number of SMEs has grown immensely, and their contribution to the world economy is between 30% and 40%. Can banks continue to ignore this pot of gold?