The majority of businesses including small and medium-sized businesses (SME’s) does not have adequate funding, available reserves and resources to pursue opportunities in the marketplace. The solution is to raise funding in the financial markets in order to take advantage of such opportunities. However, these businesses must persuade investors to invest in it in order to generate good returns. These businesses must also convince other lenders and suppliers to provide funding and credit at reasonable terms and conditions, interest rates and prices.
However, the majority of these businesses especially SME’s have difficulty in accessing funding in the financial markets. Consequently, these difficulties inhibit the survival and growth of these SME’s.