This 2014 report by Shigehiro Shinozaki of the Asian Development Bank, clearly outlines the SME capital  problem is global.  It is time we all begin to think about how to provide capital to SMBs / SMEs that is readily available and cost effective. At the very least, properly capitalizing SMBs enables these companies to expand and increase their payroll. This in turn, increases employees’ disposable income and subsequently, consumer spending on goods and services. These additional expenditures by SMB employees will continue to contribute to the economy by micro amounts, ultimately building up to what we call the Halagard Effect, where small changes generated by SMBs can provide a significant impact to the economy.

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