Good luck! Fintechs targeting SMBs is a go-to-market strategy template that makes sense until you go to market and realize that if you have a better product, there's a better, bigger market and that market is the mid-market...

The thing with startups, like with SMBs is that most times are fragile, not-financially sound institutions. At least for startups, those that don't die, usually grow and need the larger scale features anyways.