Lack of access to finance is the most widely cited constraint by SMEs for growth and scaling up business. Generally commercial banks perceive SMEs fall in the category of high default risk due to limited collaterals, smaller in asset size and limited historical track record. 
 

Read more at: https://economictimes.indiatimes.com/small-biz/sme-sector/scaling-small-businesses-with-alternative-finance/articleshow/68298159.cms