Small and medium-sized businesses are the keystone of the modern-day labor market. In the United States alone, small businesses employ almost 50% of the private workforce, and recent data shows that companies with fewer than 20 employees have added 1.2 million net new jobs. But although their growth is vital to a sustainable global economy, SMBs continue to struggle to get the funding they need. The traditional lending system simply isn't set up to meet the smaller capital needs of these types of enterprises: taking into account the risks and the long review process, small business loans typically don't pay off for banks. Chances of being accepted are incredibly low for businesses that aren't already well-established, and they rarely have the structure to carry them through the long review process anyway.