Our History

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Why do some poorly run large corporates have banks falling over themselves to lend them money while some excellent small businesses struggle to find financing to pursue growth practically knocking at their doors? Why do banks ignore businesses that employ the vast majority of the labor force in emerging market economies while funding larger, and often foreign-owned businesses? How is this good for sustainable, equitable development? It's not, and it shouldn't happen! But it does and frankly, who could blame the banks? There simply exists a huge gulf in information that SMEs have access to and could present to their bankers. 

Seeing this scenario play out year after year, and economy after economy, the 74 G.A. team devised a path to break this pernicious cycle. What if we could standardize and automate the credit rating of firms? Not only that, but what if we could one-size the analysis, so that large or small, we could compare and place on one scale? And what if that scale is one already easily understood, like S&P's, Moodys' or Fitch's? And finally, what if we make it affordable and in reach of most businesses, regardless of size? Thus was born 74 G.A.

We are ready to revolutionize access to credit! Are you?