A main reason why many SMEs are not being satisfied by current financial system is NOT because the financial system is being bias nor because the SME market is being underserved.
It is because many SMEs do not have strong enough financial standings to secure the funding.
Would you lend your money to someone with questionable payment record?
Or put it another way, would you lend your money to me?
Of course you would, if I put up collateral for the loan.
But what if I cannot come up with the collateral?
Would you proceed to lend to me?
The same situation is with many of the SMEs out there.
They are underserved by the financial system because they are NOT qualified.
Nobody would want to lend money to a purported jackass named Dorkie (not that I am a jackass, but I am trying to speak your mind) just the same as no bank would want to lend to some shitty SMEs with questionable business profitability.
The ones with very strong financial standings may not be very willing to sell their performing invoices.
This has absolutely nothing to do with crypto-specific.
Unless you try to say that if you are into crypto, then you would lend money freely to questionable SMEs, just because you are into crypto.
That would be dumbass thought process.