Additionality is the foundation of the KCGF. It means that a bank, MFI, or NBFI would not have made a loan to an MSME without the guarantee in place – hence the “addition” of a new client, adding to economic growth. The KCGF will achieve additionality by stimulating new lending to target groups, resulting in an estimated increased number of new loans, money in economy, and job creation.