an SME Development Bank Singapore long a model for sme incubation straining under new Basel III capital requirement rules for SME.... from Sum2 blog SME Risk Management http://smerisk.blogspot.com/20...

the process to include SME's will be incredibly important - the current application processes require a lot of experience and/or a very expensive consultant to have at least a chance of being successful - success rates are around 5-10% which is also unlikely to attract SME's who cannot invest years and years before achieving. Smaller budgets with a more light-weight procedure (less administration-shorter decision cycle-multiple calls/year) but a higher chance of success would probably be the best way forward.