eCommerce is a massive opportunity especially for small businesses in emerging markets. Despite making up over 70% of the emerging economies, small businesses still face substantial challenges accessing capital due to strenuous collateral requirements, poor credit standing, usurious lending terms, and little trust from banks and other lenders. The existing eCommerce platforms and lending solutions have not adequately addressed this challenge for everyone and that is why we created Kretiva. Kretiva is an online marketplace that connects eCommerce sellers to both financing and customers on the same platform. On Kretiva, traditional shoppers can buy or invest in products and get financial returns while supporting the businesses in the process Our main objective is to bridge the $3 billion financing gap for SMEs in the emerging markets by eliminating the hurdles they face to access financing while incentivizing their existing network of shoppers to provide them with the same at very low and affordable rates.