Heitwei - Easy credit for SME: Lending made simple for small businesses

The idea started with a simple need. I had a business idea and needed a small amount of capital to purchase equipment. I contacted a credit broker to explore financing options and was turned down — not because the idea lacked merit, but because the request was too small and too risky to justify. That rejection stayed with me. On my way home, I began questioning why access to very small credit was effectively impossible. As I looked deeper, the reason became clear: the financial system is not built for small lending. The costs and risk models favor large loans, leaving early-stage businesses structurally excluded. That led to a key question: could small debt be accessible if repayment was guaranteed by design, rather than estimated after the fact? That question shaped my vision. First, to enable SMEs to access debt simply and reliably. And ultimately, to ensure every startup has access to non-dilutive capital from day one. What began as a personal problem became a clear opportunity to rebuild how debt works for modern businesses.