It has become very pertinent to post this because i am being forced to ask myself how many SME owner do u know that is anybody on nairaland know,have been able to access these funds apart from large organisations like nigerian textile mills etc that have sufficient collateral to access loans from commercial banks the major problem of these organisations has been mis-management bt the real part of the economy requiring this loans like my organisation dont have access to it coz of the criteria which are unfavourable so pls who knows any organisation that has accessed these loans i would like to know how they did it