Lidya is the future of finance for small businesses in frontier markets. Their goal is to help great business owners access financing and build a credit score through an easy and inspiring lending process. Launched in 2016, the company is on a mission to close a $4 trillion SME credit gap worldwide. Businesses who are looking for $500 USD to $50,000 in working capital are able to apply online or via their mobile phone and get a decision rapidly. To assess credit risk, Lidya uses close to 100 data points to evaluate businesses, build a credit score unique to each business, and disburse loans in 24 hours or less. They use mobile-first technology, fantastic customer experience, and proprietary credit scoring algorithms to help African businesses and individuals open an account online in 15 minutes, manage receivables and cash flow, access credit needed to grow their businesses, and build credit scores that unlock higher credit limits and affordable rates.