Crowdfunding is a way for SMEs to raise money through small individual contributions, or a group of donors via online crowdfunding platforms such as: Kickstarter and GoFundMe or social media.

Personal finance enables individuals to obtain loans directly from other individuals, through an online platform that acts as an intermediary between the investor and the borrower, examples of these platforms are: Prosper, Lending Club, Upstart and StreetShares.