IMPROVING THE MECHANISMS OF LENDING TO SMALL BUSINESS PROJECTS

This article examines the pressing issues of improving credit mechanisms for small business projects within the context of the digital transformation of the economy. The author analyzes existing barriers in the bank financing system, such as rigid collateral requirements and high interest rates. Special attention is given to the implementation of modern financial engineering tools, the use of digital scoring models based on Big Data, and the transition toward a partnership-based lending model. As a result of the study, evidence-based recommendations for optimizing credit processes are proposed, aimed at enhancing financial accessibility and fostering the sustainable development of the small business sector.