Small businesses make up 99.9 percent of all businesses in America. I quote this statistic often, and for good reason. There’s nothing small about the impact these types of businesses have on our economy. Yet they routinely report difficulty in accessing the capital they need to start, maintain and expand their operations. Only half of small firms receive the full amount of funding they request. It seems counterproductive to limit financial services to those who are the driving force of the economy, but luckily, technological transformations are changing this.