Decision-making on individual SFLG loans is delegated to participating lenders, who firstly must determine whether each business proposition is viable, before considering if SFLG is appropriate. Following implementation of changes recommended under the Graham Review in 2005, this Department no longer makes decisions on individual loans, and lenders are provided with a web-portal to determine formal approval of the guarantee. Therefore BERR does not hold any records on businesses that have not been granted loans under SFLG.