Shivi Sharma spent a decade working in credit risk at places like American Express and Varo Bank.   At some point, she realized teams were spending equal amounts of time analyzing all types of loans — regardless of whether it was worth $100,000 or $5 million — meaning assessing smaller loans was ultimately an unprofitable and time-consuming process for lenders.   She and her husband, Utsav Shah, realized there was an opportunity here. “She watched as the vast majority of small business owners