The document discusses peer-to-peer lending as a solution for small businesses struggling to access financing. It provides an overview of Funding Circle, a peer-to-peer lending platform that has facilitated over £165 million in loans to more than 3,000 small businesses since 2010. The document outlines Funding Circle's application process, loan terms, eligibility criteria, and fees. It also shares a case study of a property company that obtained a £300,000 loan through 4576 lenders on the Funding Circle platform at an interest rate of 9.98%.