For nearly thirty years obtaining credit for business or personal use has been subject to human decision-making, and therefore a certain amount of bias. But all that is about to change. 2019 will see the start of a technology-led democratic change where predictive algorithms will be used to create a process or set of rules to be followed in calculations or other problem-solving operations. These will be designed by programmers to teach a computer what to value allowing access to capital for small businesses.