Despite bold promises from both government and business, most South African SMEs still struggle to access the funding they need to grow, hire and contribute meaningfully to the economy. Banks cite risk and red tape, while entrepreneurs often lack formal balance sheets or credit scores. On this episode of the Monocle Banking Podcast, Michael Avery sat down with Andiswa Bata, CEO of FNB Business, to explore how the bank is working to expand its SME lending capacity.