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ShoreBank International Ltd (SBI) is a consulting company dedicated to expanding access to finance in emerging and transitional markets. SBI believes that increasing access to finance for small businesses, microenterprises and low- and moderate-income households is one of the most effective policy interventions for promoting economic development, opportunity and prospertiy. SBI therefore advises financial institutions and their funders in emerging and transitional economies about how to expand availability of financing for small business, microenterprise and housing finance. Since 1988, SBI has delivered services to over 200 financial institutions in 76 countries, thereby extending access to capital for un(der)served individuals, households and entrepreneurs globally. During this time, SBI has overseen the disbursal of over $709 million in small business loans with an average charge-off ratio less than 1.0%. SBI operates core offices inChicago,WashingtonandLondon, supporting a network of 100 professionals in the field.