Interesting and insightful article, Ade.

With regards to the loans/credit deficit you mention, it is apparent that most Fintech companies spend their time/marketing dollars promoting their customer solutions, and maybe not necessarily their business-focused solutions. However, there are quite a number of companies springing up which provide alternative sources of financing for business owners, with no collateral requirement.

Most notable is One Finance’s new product, Flex Advance (http://merchant.onefi.co), a POS-based Cash Advance for merchants. Any business owners who accept card payments can benefit greatly from this product.