“Most entrepreneurs don’t have a five year plan and have terrible credit scores,” said Nejatian. “It limits the pool of enterprises starting businesses.”  The starter loan aims to overcome that.

https://www.forbes.com/sites/donnafuscaldo/2020/01/14/shopify-wants-to-launch-millions-of-small-businesses-and-thinks-200-loans-is-the-way/#6ac855391e41