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  "documentTitle": "PwC’s MSME Survey 2020 Building to Last",
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      "text": "Grants, funds, loans and credit guarantee schemes can help SMEs maintain cash liquidity while they wait for payments.",
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      "text": "Credit Guarantee Schemes: Credit Guarantee Schemes make it easier for medium-sized and small firms to borrow substantial amount of money. As an example, the Central Bank of Nigeria has established a Two Hundred Billion Naira Small and Medium Enterprises Credit Guarantee Scheme (SMECGS) to promote access to credit by SMEs in Nigeria.",
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      "text": "Low Interest Rate Loans: There are some low-interest rate loans that are also available for SMEs. For instance, the Federal Government of Nigeria launched an initiative to provide subsidised loans to MSMEs at a single-digit all-inclusive interest rate. These loans caters to applications received from SMEDAN under the National Enterprise Development Programme (NEDEP) Scheme.",
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      "text": "Grants / Funds: Lagos State Entrepreneurs Trust Fund, The GroFin Fund, the Bank of Industry, YouWin Connect Nigeria and Tony Elumelu Entrepreneurship Programme are just a few avenues for SMEs to access funding for working capital and cashflow needs.",
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      "text": "Strategy: SMEs can also to be strategic with their purchase orders by ensuring that payments from customers are provided as soon as they are due; and that these payments come in at different times or scheduling periods to ensure cash liquidity. SMEs can also insist on receiving a deposit before delivery of products and services.",
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      "text": "75 percent of the businesses revealed that they experienced <30 to 60 days of payment delays from private clients and customers for products and services they rendered. As a result, 33% of businesses revealed that the impact on their cash flows was severe; while 23% stated that the impact was highly severe. One major challenge SMEs face is maintaining a healthy cashflow. Many SMEs offer flexible payment policies to encourage sales. However, some of these policies are not always in favour of these businesses. For example, it is not uncommon for SMEs to wait months to receive payment for products or services rendered. Grants, funds, loans and credit guarantee schemes can help SMEs maintain cash liquidity while they wait for payments.",
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