Small business with less equity capabilities or assets is best not doing money lending business . Why would small company with less money have lending money business??? While They are them self need money or liquid cash … it trigger the suspicious already . The system always corrupt since the system Built . It advantages certain people only , the only thing we can do is protect the investor , the people that willing invest hope for better future . There is none literally none on crypto ecosystem that guarantee the investor get their money or assets back if the crypto company rugged them .