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  "documentTitle": "PwC’s MSME Survey 2020 Building to Last",
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  "notes": "The slide uses a structured layout to categorize SME funding needs and options.",
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      "text": "SMEs usually do not have access to bank unlike firms; they mostly rely on their own savings or cash from friends and family.",
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      "text": "Some alternative financing instruments are: Debt securities, Peer to peer lending, Equity, Bank overdraft, Asset-based lending, Leasing, Corporate Bonds, Securitized Debt, Factoring, Crowdfunding.",
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      "text": "Some financing institutions are: Bank of Industry (BOI), Nigerian Bank for Commerce and Industry (NBCI), Nigerian Industrial Development Bank (NIDB), Nigerian Agricultural and Co-operative Bank (NACB), World Bank Loan Scheme, Development Bank of Nigeria.",
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      "text": "Resources SMEs need to secure funding: Proper documentation, Financial statements and projections, Collateral, Use of technology, Good reputation.",
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      "text": "finance shortage: USD5.2 trillion",
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      "text": "SMEs usually do not have access to bank loans unlike firms; they mostly rely on their own savings or cash from friends and family. According to The International Finance Corporation (IFC), 40% of formal MSMEs in developing countries, experience a finance shortage of USD5.2 trillion every year. Lending is usually dependent on the stance of the borrower's financial position, and analyzed historical data about the business.",
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      "text": "Source: World Bank, OECD, PwC research",
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