The Role of Fintech in Supporting Small and Medium Enterprises (SMEs) Lending

Ghanem M. Elsayed

Abstract: This study examines the transformative role of financial technology (fintech) in addressing the financing challenges faced by small and medium enterprises (SMEs). SMEs, which are essential to economic growth and job creation, often struggle to secure funding due to stringent requirements imposed by traditional banks. Fintech innovations?such as peer - to - peer (P2P) lending, online lending marketplaces, blockchain, and AI - driven credit scoring are reshaping the SME lending landscape, offering accessible, efficient, and flexible financing solutions. By analyzing key technological advancements and case studies, this paper explores how fintech improves access to capital, supports economic growth, and promotes financial inclusion for SMEs, particularly in underserved regions.

Keywords: Fintech, SME lending, peer - to - peer lending, blockchain, AI - based credit scoring, financial inclusion, economic growth, alternative lending platforms