Every business day, more than 8,000 loan applications from small businesses are declined, contributing to a $52 billion credit gap. AEO is innovating to address this market failure through TILT Forward, our national initiative to develop and launch technology-led product, capital and marketing solutions for Main Street businesses, mission-focused lenders and business-service providers. These solutions are equipping our partners in the TILT Forward Network to increase the flow of capital and services to Main Street businesses.