High-tech tools for the enterprise are no longer reserved for the largest, most cash-rich organizations. In recent years, innovators have begun to focus on the small business, enabling SME owners to adopt more simplified and affordable solutions, like eInvoicing or cash flow management solutions.

This democratization of technology began only a few years ago, right around the time Capital One launched its small business services unit, Spark Business, in 2011. Since, the FI has developed its own suite of solutions for SMEs, but while technology has become more available to entrepreneurs, actually getting those small businesses to integrate innovative tools is its own hurdle.

“I think one of the biggest challenges of the small business owner is having the time to research and discover these platforms and for the technologies themselves to be transparent and understandable in the limited time they have,” Greg McAllister, VP of product and business development at Capital One, recently told Karen Webster.