I don’t think it’s obvious that a tool for loaning money to businesses would be primarily used for loaning money to businesses trying to solve problems with the tool itself.

I don’t think the internet has really changed all that much when it comes to due diligence. Maybe it’s a little easier to do background checks or find a person’s previous projects, but you still need an trusted third party to audit a company, you still need to be sure who is legally liable for if things go wrong, etc…

Neglecting that a lot of companies don’t actually want every person’s pay, every dime they spend for a luncheon, and every thing R&D buys to be publicly available to their competitors, it’s still not actually much help for verifying and auditing their financials because nearly all fraud already relies on people entering false information to the computer about what the transaction was for or why it was made, not anything that could be verified by the chain.