Micro and small businesses form the backbone of European economies. They are also important customers to banks. But when the same businesses need financing, banks rarely have a viable way to serve them.

Manual credit assessments, documentation requirements, and processes designed for larger SMEs make small-ticket lending uneconomical at scale. A loan starting at €500 simply doesn't justify the overhead.

The result is viable businesses being declined, or never even applying, simply because they are guilty of being small. But it doesn't have to be like this.