On the other side of debt markets, a wide variety of small and medium sized enterprises including FinTech’s (Originators) seek to bridge funding gaps at attractive rates to expand their business and gain a competitive edge. The main problem for Originators is that access to risk-priced funding is inefficient, slow, and offered at unattractive rates. This results in real-world businesses losing their competitive edge because of higher costs of capital that is often passed on to their customers (typically small and medium businesses).