{"id":75691,"date":"2025-06-30T16:33:49","date_gmt":"2025-06-30T16:33:49","guid":{"rendered":"http:\/\/smebanking.news\/ru\/?post_type=product&amp;p=6776"},"modified":"2025-06-30T16:33:49","modified_gmt":"2025-06-30T16:33:49","slug":"6776-bridging-the-small-business-credit-gap-through-innovative-lending-2","status":"publish","type":"product","link":"https:\/\/smebanking.agency\/platform\/report\/6776-bridging-the-small-business-credit-gap-through-innovative-lending-2\/","title":{"rendered":"Bridging the Small Business Credit Gap through Innovative Lending"},"content":{"rendered":"<p>These new approaches leverage recent developments that have reduced some of the hurdles to lending to small businesses, specifically the emerging digitization of small business practices \u2013 such as government-mandated e-invoicing \u2013 as well as the growth of online finance and mobile money platforms.<\/p>\n<p>Access to alternative data flows from these electronic sources and new analytic tools are smoothing the due diligence process and speeding loan approvals.<\/p>\n<p>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.<\/p>\n<p>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.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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 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