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  "documentTitle": "PwC’s MSME Survey 2020 Building to Last",
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  "notes": "The chart shows 48% experienced delays from SMEs/large corporates, 23% from government, and 29% neither.",
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      "text": "In terms of payment policies, nearly 50% of businesses state that they have experienced delay in payment for services rendered or goods delivered to public sector clients/well-established SMEs and large corporates.",
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      "text": "In terms of payment policies, nearly 50% of businesses state that they have experienced delay in payment for services rendered or goods delivered to public sector clients/well-established SMEs and large corporates. Though 43% of these businesses state that these payment delays last for less than 30 days, 33% reveal that it still has a severe impact on their cash-flows and revenues. According to PwC’s paper titled: “Factoring” the Gap: Improving access to Working Capital for SMEs”, factoring is a viable solution to the financing challenge caused by payment delays. Factoring eliminates the 30 to 60-day period lost to waiting for customers to pay their debts or payables. Furthermore, it removes the costs to MSMEs and eliminates the risks of bad debt. In Nigeria, factoring is still in its infancy, but PwC estimates that factoring could unlock USD1 to 2 billion per annum in financing to MSMEs.",
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