During the World Economic Forum held in Cape Town– one specific term was repeatedly mentioned – “Money follows money”. To truly understanding this concept is to understand why many farmers struggle to find working capital and growth funding. Commercial banks and traditional funding sources are often unwilling to take on the risk of lending to them. If the extraordinary high interest rates alone where not enough, the lack of collateral, credit history, proof of cash flows amongst others, are fatal. What emerges is a situation where the economy in general, is composed of mostly very large or very small firms. This market failure creates a missed opportunity for economic growth. Therefore, it is paramount to find mechanisms to bridge the gap between micro finance and commercial lending.