USAID implements innovative solutions to enable entrepreneurs to access the finance they need to start and grow businesses. This includes building the strong regulatory and supervisory frameworks which encourage sound lending and fostering the growth of strong credit bureaus and collateral registries to reduce risk. USAID also encourages the adoption of financial instruments and strengthens capacity within financial intermediaries to meet the credit needs of small and medium enterprises. One of USAID’s innovative approaches to increase the flow of capital in developing countries is the Development Credit Authority, which helps unlock financing for farmers, entrepreneurs, and small and medium enterprises in underserved countries.