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FSMI 2 is available to SMEs in all economic sectors, namely agriculture, manufacturing (including agro-based) and services, with the maximum tenure of financing of five years. CGC guarantee under FGS is optional. Financing under the FSMI 2 is available for: • Working capital and/or expansion of production capacity. Restrictions - financing should not be used for: • Purchase of shares • Refinancing of existing credit facilities • Purchase of land/Real Estate • Property development • Investment holding companies • Activities where stock in trade is money (including credit, leasing, factoring and insurance businesses) and; • Non-economic or non-healthy activities (including business activities related to gambling, karaoke, entertainment and sales of liquor)