Funding has always been a very important aspect for SMEs to keep the business going. But according to a new report from cloud banking platform Mambu, more than four in five (86 percent) of SMEs in Singapore have been unable to secure sufficient, or any, funding on at least one or more occasion over the last five years. Myles Bertrand, Managing Director APAC, Mambu shares why business loan applications continue to remain complex and what financial institutions here can do to ease the process of such loans.