In the current economic climate, many SMEs are facing cash-flow difficulties. DPM Tharman has said that banks must continue to support SMEs in these tough times, looking to the future by supporting innovation. However, the problem lies in matching demand and supply and not whether there are schemes put in place. Although non-performing business loan rates are low for banks in Singapore, one cannot blame banks that are cautious in the current slowdown. So how do we solve the problem for demand and supply? Therein comes the opportunity created for SMEs by Fintech companies that deal in business loans, particularly, P2P Lending. Although it is too soon to tell if P2P Lending would provide a long term solution for struggling SMEs cash-flow issues, it is definitely an alternative solution to complement traditional solutions that banks provide.