The universal COVID-19 pandemic has led to one of the worst economic mayhems we have experienced in a few decades. Its manifestation has been felt across the globe, with even the largest economies such as the UK, USA, and China grieving over the turmoil it’s caused. Tourism and hospitality sectors are especially being hit the worst, with international travels being derailed mandatorily by the law. The pandemic has also sent ripples across small businesses in the affected countries, with the less left countries employing stringent measures such as no contact between people. Lockdown orders are being issued on a no-nonsense directive by heads of states to aid in preserving the health of their citizens. It’s clear to see that such directives inhibit the interaction of business owners and their customers. The small business sector where customers meet for services directly from their providers is notably the worst hit. This has called for financing institutions recording an inf