“…However, SME development and business creation is constrained by poor access to finance (Rogerson, 2008;Okpukpara, 2009), lack of education in entrepreneurship, business skills and leadership (Fieldsend and Nagy, 2006;Rogerson, 2008), lack of marketing knowledge (Lekhanya and Mason, 2013), inflexible regulations (Rogerson, 2008), and lack of access to business resources, high taxes and poor market access (Ishengoma and Kappel, 2008). Fatoki and Garwe (2010) identified internal factors (access to finance, management skills, networking, investment information technology and cost of product) and external factors (economic environment, markets, infrastructure, crime, corruption and labour) that can impact on a business and cause obstacles to growth for new SMEs.…”