Here's the reality small business owners face every single day: the traditional banking system simply doesn't serve them. Banks view small loans as high-risk, low-reward propositions. The administrative costs eat into margins. The risk assessment overhead makes lending to small enterprises fundamentally uneconomical from a bank's perspective. So what happens? Entrepreneurs get rejected. Credit lines dry up. Growth stalls. The fundamental issue isn't that small businesses are inherently risky—it's that the banking model was designed for volume and scale, not for the messy reality of SMEs trying to bootstrap their way up. This structural flaw has defined finance for decades. But what if there were alternative mechanisms? What if capital could flow differently?