“…Evidence shows that lack of financial resources is a major deterrent for SMEs' engagement with EI (Álvarez Jaramillo, Zartha Sossa, & Orozco Mendoza, ; Caldera, Desha, & Dawes, ; Ghisetti, Mancinelli, Mazzanti, & Zoli, ). In the absence of internal financial resources, SMEs are forced to consider external finance, which is often limited in availability, further constraining the innovation and growth of SMEs (Revest & Sapio, ).…”