Empowering SMEs

Empowering SMEs: Tokenization as a Catalyst for Small Business Financing

Small and medium-sized enterprises (SMEs) are the lifeblood of the global economy, but when it comes to accessing capital, they face some of the highest barriers. Traditional financing routes often require extensive paperwork, steep legal costs, and long approval cycles. Worse, banks and institutional investors tend to prioritize larger or lower-risk borrowers, leaving SMEs underfunded.

That’s where asset tokenization comes in, and why ONINO is making it accessible to small businesses everywhere.

Why SMEs Struggle with Traditional Fundraising

Unlike large corporations, SMEs often lack the resources or connections to:

• Navigate regulatory frameworks
• Afford expensive fundraising intermediaries
• Reach global investors

The result? Missed opportunities, stalled innovation, and a persistent funding gap estimated at over €400 billion across the EU.

Tokenization: A New Path to Capital for SMEs

Asset tokenization allows SMEs to raise capital by converting ownership rights, such as equity, revenue shares, or future receivables, into blockchain-based tokens that can be offered to investors.

These digital tokens can be sold to a broader audience than traditional fundraising allows, including community members, private investors, or international backers.

Key Benefits for SMEs:

✅ Lower fundraising costs: No need for banks, brokers, or costly legal structuring

✅ Faster time to market: Launch campaigns in weeks, not months

✅ Fractional ownership: Accept small-ticket investments from a wider pool of supporters

✅ Transparency and trust: Blockchain provides tamper-proof records for investors

Real-World Example: Tokenizing SME Equity

Imagine a family-owned solar installation company in Austria. They need €300,000 to expand operations but don’t want to give away 40% of the company to one investor. Instead, they use ONINO to:

1. Tokenize 10% of their company’s equity into 3,000 digital shares
2. Onboard investors via ONINO’s KYC/AML system
3. Sell shares to 200+ retail investors for €100–€5,000 each
4. Automatically generate contracts and manage compliance
5. Enable future peer-to-peer trading of shares on ONINO’s secondary market

In this model, the SME retains control, raises capital efficiently, and builds a network of aligned supporters.

How ONINO Makes It Simple

ONINO provides an intuitive, compliance-ready platform that allows SMEs to:

• Use no-code token issuance tools to launch equity or revenue-share offerings
• Create a branded investment portal with full control over design and messaging
• Onboard investors with built-in KYC, AML, and jurisdictional filtering
• Automate legal documentation, payouts, and reporting
• Enable secondary market trading to enhance liquidity

Even if your company has never touched blockchain before, ONINO makes it easy to harness its power for financing.

Tokenization Isn’t Just for Tech Giants

Tokenized fundraising is not reserved for Web3 startups or global investment firms. It’s for:

• The local craft brewery expanding to a second location
• The green energy SME funding its next solar park
• The SaaS company growing its recurring revenue base

In short, tokenization is for any business with a community, a vision, and a growth story.

Book a demo of ONINO today to discover how your SME can leverage tokenization to unlock new funding opportunities for growth: https://www.onino.io/contact

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