sentences:  A common aim or feature of the viability based approach is the provision of appropriate finance that is tailored to the cash flows of the SME.Although the returns generated by this approach in less developed countries may not be attractive to venture capitalists, they can be significantly better than conventional collateral based lending – whilst at the same time being less risky than the typical venture capitalist business.Thus, a new, distinct asset class, offering a new avenue for diversification, is available to investors.