Banks are becoming business schools

Business owners who understand their costs, customers and cash flow make better decisions and grow more sustainably. In turn, they become more attractive to lenders.

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Across Kenya, many SMEs face the same dilemma: grow quickly and risk losing control, or grow cautiously and miss opportunities. Yet for many businesses, the real obstacle to growth is not a lack of capital but a lack of capability.

For years, the debate around SMEs has centred on access to finance. However, many entrepreneurs miss growth opportunities because they lack the systems needed to manage expansion and demonstrate readiness. Poor record-keeping, weak governance, and limited reporting often prevent businesses from securing contracts, attracting investors, or accessing credit.

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Note: The results are not exact but very close to the actual.