Now more than ever, small businesses need access to capital to maintain liquidity/solvency. Basic cash-flow needs (spec. overhead expenses like utilities, rent, and payroll) have to be maintained in order to subsist during the economic downturn; which means that businesses need a way to connect with those willing and able to offer capital infusions. The Federal Reserve’s decision to reduce interest rates to near-zero (in an effort to keep credit pumping through the economy) is not always sufficient for faltering businesses to secure much-needed capital. Meanwhile, debt can’t be bundled and sold by the financial services sector without confidence in the markets (and expectation of R.O.I. on the part of investors).

From nail salons to construction companies, access to capital is the only way to survive. Every tavern, inn, health-spa, nail salon, coffee shop, and clothing store is clamoring for assistance, searching for ways to attenuate the adverse effects of the pandemic-induced glut. As hotels, restaurants, and entertainment venues struggle to tide themselves over so that they can emerge at the other end of this pandemic, industries like manufacturing and distribution are searching for ways to keep operations afloat. As things now stand, the private sector cannot handle a mass scramble for liquidity (read: credit). New ways are needed to provide struggling businesses with capital.