The SB Corp. is a government corporation under the Office of the Secretary of the Department of Trade and Industry. Its primary responsibility is to implement comprehensive policies and programs to assist MSMEs in all areas, including but not limited to financing and information services, training and marketing. The SB Corp. operates four financing programs: 1) microfinance wholesale lending program to rural banks, microfinance institutions, and cooperatives that re-lend to graduating and start-up micro-enterprises; 2) direct lending to registered MSMEs through direct lending facilities; 3) credit guarantee program for “near bankable MSMEs” that can access banks but cannot provide sufficient collateral for their loan; 4) wholesale lending for SMEs, where funds are channeled to partner banks and institutions for re-lending to SMEs.