Learn how to choose a financial program that suits your personal or business requirements. Don't get caught in the trap of stifling your cash flow to pay back on loans.

1. Choosing Your Financing Program
April 2016

2. © 2016 ACCESS BANK PLC 2
Outline
1 Our Understanding of the SME Market
2 Challenges faced by SME Businesses
3 Factors That Determine Choice Of Loan Type
4 Our Value Proposition

3. © 2016 ACCESS BANK PLC 3
Our Understanding of the SME Market
S M ESmall Medium Enterprises
Size of the
market
Growth
Potential
Distribution
• Small and medium enterprises (SMEs) and Micro SMEs are an
important part of the Nigerian economy as over 90% of
businesses are SMEs
• Represents about 90% of the manufacturing/ industrial sector
• Contributes about 1% to Nigerian GDP compared to
approximately 40% in Asia. This shows significant potential for
growth
• The Nigerian Government is currently supporting the growth of
the SME sector
• SMEs in the country are distributed by clusters within regions
• Access Bank has the required nationwide presence to reach
SMEs across the nation and support their business growth
• Access Bank possesses the required human capital required to
support SMEs across Regions and Branches nationwide

4. © 2016 ACCESS BANK PLC 4
Challenges faced by SME Businesses
Lack Of Adequate
Knowledge
Lack Of Basic Infrastructure
Unstable Policy
Multiple Taxation
Access To Capital
Poor Accounting Principles
Lack Of Proper Financial
Management
Unskilled Workforce

5. © 2016 ACCESS BANK PLC 5
Improve
Collections
Sources of Capital
Collaboration &
Partnership

6. © 2016 ACCESS BANK PLC 6
Factors That Determine Choice Of Loan Type
Nature Of Business
Cash
Flow Profile
Capacity
Tenor
Distributor’
s Finance
Import
Finance
Invoice
Discounting
Term Loan
Time Loan
Guarantees
&
Bonds
Export
Finance
Facility TypesFactors
Overdraft

7. © 2016 ACCESS BANK PLC 7
Our Value Proposition
Centre of Excellence created across the country in identified key sectors with Dedicated Sector
Champions
Specific attention to Women-in-Business via our Gender Empowerment scheme
Business
Banking
Religious
Bodies
Education
Travel
Agencies
Importers
&
Exporter
s
Traders &
Dealers
ContractorsOil & Gas
Hospitality
Real
Estate
Professional
Associations
Professio
nal Firms
Orientals

8. © 2016 ACCESS BANK PLC 8
Our Value Proposition
Dedicated SMEs Support Desk to provide qualitative and business-enhancing Financial
Advice and on-the-field business supports
Affordable financing through Dedicated and Structured Credit Programs along the
identified sectors.
Robust and highly adaptable technology for speed of service delivery to SMEs
Focused Capacity Building programs and Business Support Platforms to cater to the
identified capacity deficiencies and support needs of the sector
Information sharing on market opportunities and market developments
Platform for enriching Networking Hub
Build strong alliances and partnerships for strategic and focused interventions in policy
initiatives of government relating to the SME sector

9. © 2016 ACCESS BANK PLC 9
Improve
Collections
EXISTING SME SCHEMES
•FUSS- Facility Upgrade and Support Scheme for Schools
•Hospitality: for Hotels and Restaurant
•Healthcare/Hospital Credit Program
•Various Distributors and Dealers Credit Scheme
•Flows and China Trade for Importers
•Sans, Lawyers and Professional Firms
Collaboration &
Partnership
•Access NollyFund for Entertainment Industry