A fundamental change introduced by the online lending industry highlights the relationship between a borrower and a lender. No longer a large financial institution dictates the transaction’s terms and tempo. The small business owners have spoken their priorities; speed over rate, accessibility over term. Online lenders- on their own part of the small business community- are able to service a small business so well and effectively because both sides understand the magnitude of working capital to a business success. More so, as the industry grows, and more players are entering the arena the merchant is the one getting the upper hand during negotiation. The evidence to support this successful model can be seen both on the macro and micro level. Across the globe, small businesses data shows exponential growth. Unemployment is at its lowest level since WWII. Wages are up. Longevity of small businesses is higher. Empowered by data availability and granularity, small business owners across all industries enjoy process analysis tools that helps them improve their decision making process and run their business in a more efficient and effective way.