Administered through the National Reconstruction Fund Corporation (NRFC), the program is currently accessible only via a select group of participating banks, leaving non-bank lenders without a pathway to participate. Moneytech CEO Nick McGrath supports the program's objectives but questions the decision to limit its delivery to major banks. He suggests that including non-bank lenders could extend the program's reach, ensuring more SMEs benefit from the financial support.

During the COVID-19 pandemic, non-bank lenders, including Moneytech, were accredited to deliver loans under the government's SME Guarantee Scheme alongside major banks. This precedent highlights the potential for non-bank lenders to effectively distribute government-backed loans, raising questions about their exclusion from the current program.

The exclusion of non-bank lenders from the Economic Resilience Program has sparked discussions about the role of diverse financial institutions in supporting SMEs. Advocates argue that incorporating non-bank lenders could enhance the program's effectiveness, providing SMEs with broader access to essential funds during challenging economic times.