Credit markets involve three main players: Borrowers, Savers, and Lenders. The lender-borrower relationship presents a unique challenge.  Borrowers typically have an information advantage over lenders. The danger for lenders is that borrowers might conceal vital private information to gain better loan terms. The lender’s challenge is to assess a borrower’s true creditworthiness. Building trust can benefit both lenders and small business borrowers. It allows lenders to offer terms more closely matched to a company’s true risk profile. Otherwise, lenders might be forced to charge higher risk premiums, offer shorter-term loans, and/or require more collateral. The benefit to borrowers comes from greater access to more affordable funds.