If you were to ask any start-ups or SMEs (small - and medium-size enterprises) what their main challenge is, one common answer would likely be raising funds to grow their business.

要说初创企业或者中小型企业面临的主要挑战，最有可能的答案就是募集资金。

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For decades now many people have acknowledged that most job creation comes from the growth of small and medium-sized businesses (SMEs), and of course all SMEs were first entrepreneurial start-ups.

FORBES: This is a guest post by Magatte Wade