Home Финансирование Bridging the Small Business Credit Gap through Innovative Lending

Bridging the Small Business Credit Gap through Innovative Lending

Accion Venture Lab has invested in more than a dozen innovative lenders that are using new business models to make financing available to micro, small and medium enterprises that have long struggled to borrow from traditional institutions.

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These new approaches leverage recent developments that have reduced some of the hurdles to viably lending to small businesses, specifically the emerging digitization of small business practices – such as government-mandated e-invoicing – as well as the growth of online finance and mobile money platforms.

Access to alternative data flows from these electronic sources and new analytic tools are smoothing the due diligence process and speeding loan approvals.

By unbundling the suite of financial services usually found at banks and using niche and affinity marketing approaches, these pioneering lenders have unlocked new ways to identify, assess, serve, and support small business clients.

Taken together, these trends present a new opening to close the large finance gap facing small businesses and many actors can play a role: investors, regulators, microfinance institutions, entrepreneurs, and other startups.