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For small businesses 鈥� and aspiring businesspeople -- banks have been a financial gatekeeper. Without assets and a business credit profile, businesses are often out of luck. But peer-to-peer lending services are beginning to disrupt an industry that is very set in its ways. Fintech lending platforms like October assign businesses a credit score based on a company鈥檚 financial history, default probability, and projected profit margin. Then, they allow their users to participate in lending to the companies 鈥� and collecting interest. 鈥淲e鈥檝e been lending the same way for decades,鈥� says Paul Beaumont, Associate Professor at Desautels. 鈥淚t鈥檚 good to have this emergence of new actors in the small business lending markets鈥攁ctors that are less regulated and expand the set of products that firms can access.鈥�