The lack of adequate resources or finances to fund any business is one of the biggest reasons or challenges that affect most businesses because finances happens to be the lifeblood of any business.Lack of resources or financing, retention of a weak management team, poor infrastructure or business model and ineffective marketing strategies are the most common reasons for SMEs to fail. Small companies are most frequently left with a lack of capital or funding, retention of an insufficient management team, poor infrastructure or business model and unsuccessful marketing.