Mr. John Trethowan:

It should be done as soon as possible. In all the opinions we issue we end up with a conclusion showing why we have made the decision, but we also outline all of the recommendations clearly for the bank and the borrower. Sometimes a borrower must also comply with conditions to get the deal over the line. If the borrower drags his or her heels, it will delay the process. I will be following up all cases in the next few months to see that the bank has been prompt in making the credit available and to ensure the SME is still in business because some will have failed.