Hey Sizzlinmonkey, great article! Readers may also want to consider 'what' do they need the money for? These should be clearly defined, specific and with exact figures.

If you only need equipment and the business is cash flowing or has purchase orders then an investor that will want a controlling chunk of your business might be last resort. Ive been a professional in the commercial finance industry for the better part of 10 years. I see where and how our lending models are broken, out of touch and numb at best.

I am in the early stages developing a crypto-lending platform based on Aeternity's smart contracts on state channel. It think it will be the perfect vehicle to structure micro and small ticket loans $500-$5k to start for young businesses, it will be based on cash flow, purchase orders and most importantly deals will be underwritten with common sense. Personal credit will never be a factor in the future. It is being created meet the need of the problem described above without turning the client into a debt slave or robbing them of control. No blanket liens on business or personal assets, no trade lines showing up on personal credit. It will be the future of lending to solid small businesses...