 Access to finance from lending institution need to make provision for MSME to access a targeted pool of funds for recovery and rebuilding after a major climatic event, natural or man-made disasters.  Automatic waiver of payment of loans for an initial period of at least 3 months from the date of occurrence of the climatic event. Implementation of Small Business Development Centre (SBDC) as a mechanism for business support services for increasing capacity and the know-how for delivery more effective support to MSMEs. This will facilitate greater coordination and collaboration that will help counteract external effects and stimulate competition in the market place.