Good question Flex and one I can't answer. I've done a lot of...

Good question Flex and one I can't answer. I've done a lot of searching for Yozo and Onestep and always come up with very little. Onestep being Chinese I can understand why I won't find much but surprised at the lack of publicity for these companies. We've had YOZO now for nearly two years and it was touted as this great thing. I've also tried looking for any of the research but no luck.

"Developed in conjunction with a leading team of researchers at the University of Technology, Sydney (UTS), the YOZO platform leverages AI and machine learning to provide fast access to short-term cash – a key component of small business operations.

Leveraging the intellectual property advantage of its research team, the technology allows customers a competitive financing option with the capacity for same-day approvals and flexible repayment terms."

Maybe we're looking in the wrong places as it's targeted towards SMEs? Maybe small business owners out there can give a better answer?

DYOR.