25 Jul 2025
Fintech

end-to-end commercial lending experience for SMEs that need a loan, ...

...fully agentic

Confidence
Engagement
Net use signal
Net buy signal

Idea type: Minimal Signal

There’s barely any market activity - either because the problem is very niche or not important enough. You’ll need to prove real demand exists before investing significant time.

Should You Build It?

Not yet, validate more.


Your are here

The idea of creating an end-to-end commercial lending experience for SMEs, fully agentic, falls into the "Minimal Signal" category. This means there's limited market activity, potentially because the problem is either too niche or not seen as critical by enough businesses. With only one similar product identified, confidence in this assessment is low. There were no comments on similar products, indicating low engagement. Given this, it's essential to validate demand before dedicating significant resources to development. This is a critical step, as premature investment in an unproven market can be detrimental. Therefore, focus on proving real demand exists before moving forward.

Recommendations

  1. Start by engaging with your target audience. Post in online communities, forums, or LinkedIn groups where SMEs gather and discuss their financial challenges. Frame your posts as seeking advice or conducting market research to gauge interest in a streamlined lending solution.
  2. Offer a concierge service. Manually assist 2-3 SMEs through their loan application process. This will provide invaluable insights into the pain points, documentation requirements, and decision-making criteria involved. You can learn a lot by solving it yourself, even if manually.
  3. Create a compelling explainer video. Showcase the benefits of your proposed end-to-end lending experience for SMEs, focusing on time savings, transparency, and ease of use. Track the video's completion rate to measure audience engagement.
  4. Build a waiting list with a small deposit. This demonstrates commitment and helps gauge genuine interest in your solution. Clearly communicate the features and benefits of your offering to encourage sign-ups.
  5. Set a validation timeframe. If you can't secure 5 interested SMEs within 3 weeks through the above methods, reassess your target market, value proposition, or overall business model. Don't be afraid to pivot if necessary.
  6. Given that there is only 1 other similar product in the market (n_matches=1) you should reach out to its founder and learn as much as possible about their journey. Understand the problems they faced, how they solved them, and what their roadmap looks like.

Questions

  1. What are the specific unmet needs or pain points in the SME lending process that your agentic solution addresses more effectively than existing options?
  2. How can you create a minimum viable product (MVP) that demonstrates the core value proposition of your end-to-end lending experience while minimizing development costs and time?
  3. What are the key performance indicators (KPIs) that you will track to measure the success of your validation efforts and determine whether to proceed with further development?

Your are here

The idea of creating an end-to-end commercial lending experience for SMEs, fully agentic, falls into the "Minimal Signal" category. This means there's limited market activity, potentially because the problem is either too niche or not seen as critical by enough businesses. With only one similar product identified, confidence in this assessment is low. There were no comments on similar products, indicating low engagement. Given this, it's essential to validate demand before dedicating significant resources to development. This is a critical step, as premature investment in an unproven market can be detrimental. Therefore, focus on proving real demand exists before moving forward.

Recommendations

  1. Start by engaging with your target audience. Post in online communities, forums, or LinkedIn groups where SMEs gather and discuss their financial challenges. Frame your posts as seeking advice or conducting market research to gauge interest in a streamlined lending solution.
  2. Offer a concierge service. Manually assist 2-3 SMEs through their loan application process. This will provide invaluable insights into the pain points, documentation requirements, and decision-making criteria involved. You can learn a lot by solving it yourself, even if manually.
  3. Create a compelling explainer video. Showcase the benefits of your proposed end-to-end lending experience for SMEs, focusing on time savings, transparency, and ease of use. Track the video's completion rate to measure audience engagement.
  4. Build a waiting list with a small deposit. This demonstrates commitment and helps gauge genuine interest in your solution. Clearly communicate the features and benefits of your offering to encourage sign-ups.
  5. Set a validation timeframe. If you can't secure 5 interested SMEs within 3 weeks through the above methods, reassess your target market, value proposition, or overall business model. Don't be afraid to pivot if necessary.
  6. Given that there is only 1 other similar product in the market (n_matches=1) you should reach out to its founder and learn as much as possible about their journey. Understand the problems they faced, how they solved them, and what their roadmap looks like.

Questions

  1. What are the specific unmet needs or pain points in the SME lending process that your agentic solution addresses more effectively than existing options?
  2. How can you create a minimum viable product (MVP) that demonstrates the core value proposition of your end-to-end lending experience while minimizing development costs and time?
  3. What are the key performance indicators (KPIs) that you will track to measure the success of your validation efforts and determine whether to proceed with further development?

  • Confidence: Low
    • Number of similar products: 1
  • Engagement: Low
    • Average number of comments: 0
  • Net use signal: 0.0%
    • Positive use signal: 0.0%
    • Negative use signal: 0.0%
  • Net buy signal: 0.0%
    • Positive buy signal: 0.0%
    • Negative buy signal: 0.0%

This chart summarizes all the similar products we found for your idea in a single plot.

The x-axis represents the overall feedback each product received. This is calculated from the net use and buy signals that were expressed in the comments. The maximum is +1, which means all comments (across all similar products) were positive, expressed a willingness to use & buy said product. The minimum is -1 and it means the exact opposite.

The y-axis captures the strength of the signal, i.e. how many people commented and how does this rank against other products in this category. The maximum is +1, which means these products were the most liked, upvoted and talked about launches recently. The minimum is 0, meaning zero engagement or feedback was received.

The sizes of the product dots are determined by the relevance to your idea, where 10 is the maximum.

Your idea is the big blueish dot, which should lie somewhere in the polygon defined by these products. It can be off-center because we use custom weighting to summarize these metrics.

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