Sapling is an open-source and decentralised unsecured lending platform enabling anyone (individual, institution, community, syndicate, family or group of friends) to provide credit to small and medium enterprise (SME) borrowers in a cost-efficient and agile manner. Sapling is building the most simple and secure Web3 lending platform in the Ethereum ecosystem, owned by the Sapling community and focussed on returning SME lending to a relationship-based business.