Article 428ad(c) CRR requires that a Required Stable Funding (RSF) factor of 50% should be applied to monies due from transactions with a residual maturity of less than one year undertaken with non-financial corporates, retail customers and SMEs. CRR Article 428v requires that a 10% RSF should be applied to monies due from transactions with financial customers that have a residual maturity of less than six months other than those referred to in point (g) of Article 428r(1) and in point (b) of Article 428s(1). CRR Article 428ad(c) requires that a RSF factor of 50% should be applied to monies due from transactions with a residual maturity of less than one year undertaken with non-financial corporates, retail customers and SMEs. However, in a number of such cases, a firm will provide a loan to a non-financial corporate only where the credit quality of the borrower is sufficient, or an eligible credit guarantee from another financial institution has being provided by the customer. In this case, the loan made is conditional upon the guarantee being received by the firm. In this case, it follows that the RSF applicable should reflect the guarantee received from the financial counterparty, as per CRR Article 428v.