Sorry but I disagree with you regarding trade finance, have spoken to many small business owners who love the simplicity of obtaining short term finance hassle free and are Z1P- they have applied for short term finance before and it's been a hard disjointed process through other short term leaders . Z1P are quite niche and streamlined in this space.
They are buying other business globally to get a foot in the door, once this occurs they have the platform to ramp up. The growth in Australia has been huge, I'm sure they have experienced some road bumps, and globally won't surprise me if this occurs, however these are huge markets with plenty of opportunities so wouldn't bet against them kicking plenty of goals.
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