In 2008, the credit crunch transformed the way businesses operated. As the financial belt tightened, many had to quickly adjust the way their businesses were funded and either embrace the new climate or risk annihilation.

Fearful for the future, financial institutions and many other large businesses hoarded capital and as a consequence, growth investment ground to a halt. The banks stopped lending to sensible small business people, or imposed restrictive conditions such as large deposits and shorter borrowing terms.

Out of this challenging environment, we were born.


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