It started with a simple question that struck our founder, Vidur Dhanda. What if we could develop a consistent way to measure small business portfolio credit risk? It seemed that such a simple concept could be transformative. It would facilitate discovery, more effective management, and pricing of risks and opportunities in the small business credit markets. It would create greater financing options for small businesses, enhance liquidity for lenders, and promote financial innovation to stimulate entrepreneurship and new job creation in the US. The idea was explored in the video below. That was a while back. The vision is still compelling; the need for supporting small business as acute as ever; and we just got started.