Traditionally managed centralized aggregators (quasi-p2p platforms) is one layer. Banks, credit unions, venture capital, angel investors and other ordinary institutions is another. We believe that we will be the first trust based decentralized ecosystem in SME lending offering a hybrid solution to finance SMEs in fiat.

As far as financing is concerned, there is none yet. There were a few ICOs that targeted factoring and other narrow niches but they suggest to have money circulation in crypto which we consider impossible for most businesses at the current phase of adoption. A small company could go for a difficult and costly process to arrange a ‘free loan’ (in terms of fiat accounting) and engage itself into a side process of crypto exchange to compensate the interest and small fees. However, it is unlikely for an average company to risk and enter the full scale crypto adoption process yet. That’s why we choose a hybrid solution which means that companies will be able to finance themselves in fiat, until crypto is adopted mainstream.

For small businesses it will be much easier to join from anywhere and receive the best financing offer available. Plus, Debitum Investments system will do a lot of processing and tracking for free. As long as banks are concerned, the differentiation has already happened and the umbrella term of ‘alternative finance’ exists for quite a while. For investors and service providers there are no similar alternatives.