“Newcomer” Paradox: Years in business yet still struggling to access credit after corporate transformation
In the context of a gradually recovering economy, the trend of transforming from household businesses into micro-SMEs is on the rise, aiming to meet requirements for scaling up, increasing operational transparency, and accessing formal financial resources. However, in fact, many long-standing business owners still face difficulties accessing bank credit because their newly registered enterprises are considered too “young” in legal terms.
03/03/2026