Small and Medium Enterprises (SMEs) play a major role in South East Asia economies. SMEs account for the majority of businesses and are important contributors to job creation and regional economic development. Yet, 70% of SMEs have difficulty accessing formal financial services. Our mission is to solve their working capital problem.
Formal SMEs contribute up to 40% of national income (GDP) in South East Asia economies. These numbers are significantly higher when informal SMEs are included.

- 600 million jobs will be needed by 2030 to absorb the growing global workforce, which makes SME development a high priority for many governments around the world.
- In emerging markets, most formal jobs are generated by SMEs, which create 7 out of 10 jobs.

- However, access to finance is a key constraint to SME growth, it is the second most cited obstacle facing SMEs to grow their businesses in emerging markets and developing countries.
- SMEs are less likely to be able to obtain bank loans than large firms; instead, they rely on internal funds, or cash from friends and family, to launch and initially run their enterprises.
What we do
A key area of the our work is to improve SMEs’ access to finance . Our approach is holistic, combining advisory and lending services to clients to increase the contribution that SMEs can make to the economy including underserved segments such as women owned SMEs.