Come on, the ideas are as lazy as the writing.

Consider this gem:

We need better ways to provide financing to those who need it: students, low income groups, creatives, people with poor credits. There are lots of opportunities to provide low cost alternatives to what traditional banks are failing to offer.

So the idea is to charge high-risk borrowers low-risk fees? Didn't we all just go through this?

After rereading it, I realised you are right. Lots of errors as well as lacking flow in some of the sentences. Thanks for reading it still. Will definitely improve my writing in the future.