Primus Capital

Reach is a payment platform that simplifies how businesses sell cross-border. We combine dynamic checkout, intelligent routing, and Merchant of Record local acquiring to offer you the most cost-effective way to sell to global customers. Reach was established in 2015 by Sam Ranieri in Calgary, Alberta.

MDaudit specializes in providing a unified SaaS platform for healthcare organizations to enhance billing compliance, coding accuracy, and revenue integrity. Its platform integrates various auditing types, leveraging AI to support evolving regulations and optimize financial performance.

Prendio specializes in procure-to-pay software solutions tailored for biotech companies. Their platform supports scientists' specific needs, facilitates collaboration with trusted suppliers, and provides management control. It streamlines ordering, receipt, and payment processes for equipment, consumables, and services, enabling efficient time-critical research.

Ordergroove, Inc. is a New York-based company that specializes in subscription enablement technology and analytics platforms for brands and retailers. Founded in 2008, Ordergroove offers its Relationship Commerce Cloud, which facilitates a seamless ordering experience through email and text messaging, as well as in-store and online transactions. The platform supports brands in launching recurring revenue programs, including subscriptions and memberships, and is designed to be fully omnichannel, integrating with existing systems. By leveraging artificial intelligence and analytics, Ordergroove enhances consumer interactions and helps brands optimize subscriber experiences. The platform is operational in over 5,000 stores and 100 eCommerce sites, consistently delivering a significant increase in consumer spending and lifetime value within months of enrollment.

Purple Lab operates a healthcare data and analytics platform designed to streamline and improve the process of deriving insights from clinical and claims data. The platform offers on-demand access to customizable queries and report templates, allowing users to profile and rank healthcare providers based on quantitative performance metrics. Additionally, Purple Lab provides a marketplace for patients, employers, and insurance providers to search for healthcare professionals that meet specific profiles. By simplifying these processes, Purple Lab aims to enhance the lifecycle of healthcare discoveries, making data analytics faster, more efficient, and cost-effective.

CORL Technologies is a provider of IT solutions specializing in Vendor Security Risk Management (SRM). They offer a platform designed to help healthcare organizations efficiently manage and mitigate risks associated with their vendor relationships. The platform leverages analytics, streamlining the monitoring, onboarding, and due diligence processes for vendors, enabling measurable risk reduction at scale. CORL caters primarily to healthcare vendors and supports information security, compliance, and privacy management teams within these organizations.

Meditology Services is an IT company specializing in information risk management and regulatory compliance consulting for healthcare organizations. The firm provides a range of services, including cybersecurity and privacy risk assessments, penetration testing, and cloud security solutions. By focusing on the unique needs of the healthcare sector, Meditology Services helps clients effectively address privacy compliance requirements in a practical and cost-efficient manner.

Ambition is a sales management platform tailored for performance-driven teams, enabling sales leaders to enhance coaching and streamline management. The platform is designed to foster a culture of transparency and accountability, empowering sales organizations to achieve their goals, particularly in remote work settings. By emphasizing team inspiration and economic opportunity, Ambition creates an environment where flexibility and success coexist. Its features are geared towards optimizing remote work, ensuring that businesses can operate efficiently regardless of employee location.

Bloomfire, Inc. is a knowledge engagement platform that facilitates the sharing and discovery of information within organizations. Founded in 2010 and based in Austin, Texas, Bloomfire provides a centralized, searchable solution that allows teams to access and democratize knowledge and insights. Its software is designed for social learning, customer service, and alignment across sales and marketing, enabling employees to find and contribute to essential company information. The platform captures and streamlines valuable data and feedback, allowing organizations to distribute insights effectively and make informed decisions. Bloomfire serves a diverse range of industries, both domestically and internationally, empowering companies like Burberry and Capital One to enhance their operational efficiency and knowledge management.

Rev.io, LLC is a software-as-a-service (SaaS) company based in Atlanta, Georgia, specializing in billing solutions for telecommunications and Internet of Things (IoT) sectors. Established in 2002, Rev.io focuses on providing comprehensive billing, customer management, and process automation services to clients worldwide, including those in cloud and subscription-based businesses. The company's platform enables users to manage complex billing operations, streamline customer account management, and automate workflows, significantly enhancing efficiency and accuracy. Additionally, Rev.io offers robust business intelligence tools that provide valuable insights into customer behavior and financial metrics, helping businesses make informed decisions. With features such as self-service portals and extensive integration capabilities, Rev.io empowers its customers to optimize their operations and drive revenue growth while minimizing errors and operational costs.

Founded in 2006, TrackVia develops a cloud-based platform for streamlining operational processes and field workflows. It enables businesses to create custom web and mobile applications, uniting executives, managers, and workers with their data and processes. Serving industries such as energy, construction, healthcare, manufacturing, and finance, TrackVia helps improve on-time performance and reduce costs.

Harmony Healthcare IT is a provider of healthcare information technology solutions focused on safeguarding vital information to enhance the efficiency of healthcare organizations. The company specializes in data archiving and management services, offering a comprehensive suite of solutions that includes consultation, data extraction, conversion, migration, retention, and destruction. By enabling clients to effectively extract and analyze demographic, financial, clinical, and administrative data from various healthcare systems, Harmony Healthcare IT aims to improve cash flow and productivity for its clients while ensuring the preservation of essential information that can impact lives positively.

BizLibrary is a provider of online employee training and eLearning solutions. It offers a comprehensive content collection containing thousands of videos and courses covering communication, leadership, sales, customer service, compliance, desktop skills, and other business topics. The platform combines an online training library with learning management system integration and a mobile app, delivering micro-video lessons, video courses, interactive videos, and supporting materials. This enables organizations to provide training content to employees on any device, facilitating mentoring, skill development, and improved productivity.

Founded in 2004, ClearCompany specializes in talent management software. Its platform connects recruiting, onboarding, and performance management, serving diverse industries such as education, energy, finance, healthcare, and government. With a user-friendly interface and robust analytics, ClearCompany empowers HR teams to streamline workflows, engage employees, and make data-driven decisions.

Top of Mind Networks, LLC, operating as TOMN Mortgage Services, specializes in developing customer relationship management (CRM) and marketing automation software, Surefire, for the mortgage and real estate industries. Established in 2003 and headquartered in Atlanta, Georgia, the company empowers loan officers to effectively track, engage, and build lasting relationships with customers, prospects, and referral partners, fostering repeat transactions and growing their business.

fusionZONE Automotive is a leading provider of digital marketing and web design solutions tailored for automotive dealerships and original equipment manufacturers. The company offers a comprehensive suite of services that includes search engine optimization, social media marketing, pay-per-click advertising, and inventory management software. By utilizing advanced marketing strategies and technologies, fusionZONE Automotive empowers its clients to enhance their online presence and engage with customers effectively. The company is known for its strong dealer support, offering same-day turnaround on graphic requests and regular digital marketing strategy meetings. With its focus on delivering high-performance dealer website solutions, fusionZONE Automotive enables dealerships to dominate their digital market areas and drive sales growth.

Healthcare Bluebook is a company that offers an online platform focused on price transparency in the healthcare sector. It provides consumers, employers, healthcare providers, and payors with access to fair price information for various services, including inpatient and outpatient care, diagnostic tests, laboratory services, and dentistry. The platform enables users to compare prices, rate healthcare providers, and engage employees in their healthcare decisions. Additionally, Healthcare Bluebook assists with health insurance submissions and promotes the use of generic alternatives for medications, empowering customers to make informed choices about their healthcare options.

EnableComp offers a comprehensive revenue management platform for hospitals and health systems, focusing on workers’ compensation claims. Its suite of solutions includes CompDirect for outsourcing claim processes, CompRecover for reviewing zero‑balance claims, CompResolve for collecting difficult accounts, CompAdvocate for negotiating settlement offers, and ContractVue for analyzing and benchmarking agreements. The Enforcer software integrates with provider systems to maximize reimbursement from payers. Founded in 2000 and headquartered in Franklin, Tennessee, EnableComp operates as a subsidiary of Complete Holdings Group.

MBO Partners offers a comprehensive business operating system for independent workers, facilitating efficient contract talent acquisition and engagement between freelancers and enterprises. Its platform streamlines processes such as onboarding, payments, compliance, and management, helping businesses reduce risks and optimize contractor investments.

PaySpan is a provider of healthcare reimbursement and payment automation services designed to simplify the complexities of healthcare payments. The company serves a diverse clientele that includes leading payers, providers, and solution partners within the healthcare industry. PaySpan's solutions aim to enhance the adoption of electronic payments among providers, engage patient members, and expedite the delivery of quality care. By facilitating the transfer of healthcare payments and supporting alternative reimbursement strategies, PaySpan improves administrative efficiency and helps its customers meet regulatory requirements while effectively managing new reimbursement models.

Certona Corporation specializes in real-time omnichannel personalization solutions for brands and retailers. Founded in 2004 and based in San Diego, California, the company utilizes machine learning and predictive analytics to offer content and product recommendations tailored to individual customers. Certona's technology enables digital marketers to transform data insights into actionable strategies through testing and analytics, enhancing customer engagement and conversion rates across various sales channels, including web, email, mobile, contact centers, and in-store experiences. Additionally, Certona provides product and gift finder solutions and B2B ecommerce capabilities, all aimed at optimizing the customer journey and fostering meaningful interactions. As of February 2019, Certona operates as a subsidiary of Kibo Software, Inc.

Netchex is a rapidly growing company specializing in payroll, human resources, time and attendance, and benefits services in the United States. The company offers a cloud-based human capital management platform that caters to various industries, including banking, automotive, retail, and education. Its web-based suite provides comprehensive features for payroll administration, human resources, and benefits management, enabling clients to streamline their payroll processes and enhance employee engagement. Despite its growth in both team size and clientele, Netchex remains committed to delivering an exceptional experience through its software solutions and support services.

Proxibid, Inc. is an online marketplace that connects buyers and sellers of high-value items across diverse categories, including heavy equipment, industrial machinery, fine art, antiques, collectibles, and real estate. Founded in 2001 and based in Omaha, Nebraska, Proxibid aims to be a trusted platform for facilitating complex transactions in traditionally offline industries. The company has developed proprietary technology to enhance the buying and selling experience, including MarketGuard, which provides risk assessment and fraud detection, as well as an integrated payment system that supports various payment methods. Proxibid's platform offers flexible transaction options, including live auctions, timed auctions, and buy now/make offer formats. With over 4,000 sellers and millions of buyers, Proxibid has facilitated more than 136,000 auctions, representing over $45 billion in gross merchandise value.

Forte Research Systems, Inc. is a software development company specializing in clinical trial management and research management solutions for cancer centers, academic medical centers, and health systems. Founded in 2000 and headquartered in Madison, Wisconsin, the company offers a suite of products that includes OnCore, a comprehensive e-clinical operation management solution; Insights, a business intelligence platform; eReg, a management system; and Allegro, a clinical trial management system. These tools are designed to enhance research compliance, patient safety, financial viability, and operational efficiency. Forte Research Systems also provides research evaluation, reporting, and electronic data capturing solutions. The company has established strategic partnerships with various organizations, including Virtify, Deloitte Analytics, and Huron Consulting Group, to further enhance its offerings. In September 2010, the company rebranded from its former name, PercipEnz Technologies, Inc.

SkillSurvey Inc. is a provider of cloud-based reference checking and credentialing solutions designed to enhance hiring processes for employers. Founded in 2001 and based in Berwyn, Pennsylvania, the company offers several key products, including SkillSurvey Reference, which automates the reference checking process; Hire 360, an online assessment tool that predicts job performance; and SkillSurvey Credential OnDemand, which facilitates real-time online responses from applicants and references. Additionally, SkillSurvey Source helps organizations identify new candidates through referrals. The company serves a diverse range of sectors, including healthcare, higher education, staffing and recruiting, retail, and engineering. With a focus on leveraging data-driven methodologies, SkillSurvey has developed patented solutions that improve the efficiency and accuracy of talent assessments, ultimately aiding organizations in making informed hiring decisions.

Hyperwallet Systems Inc. is a financial technology company that specializes in providing an online worker payout platform for financial institutions and marketplace companies. Established in 2000 and headquartered in Vancouver, Canada, the company enables organizations to distribute funds across various countries and currencies through its payment platform and settlement network. Hyperwallet offers a diverse array of mass payment options, including branded prepaid cards, direct payments to cards, global bank deposits, cash pickups, virtual prepaid cards, and check delivery services. Additionally, the platform enhances payment experiences for users and promotes worker loyalty by offering integrated financial tools and tax reporting solutions. As of November 2018, Hyperwallet operates as a subsidiary of PayPal Holdings.

Maven7 supports business decisions by transforming large amounts of hard-to-interpret data into actionable business intelligence. Based on the methodologies of network analysis and data mining, Maven7 has developed its own proprietary network mapping tools, including OrgMapper and Diktio Labs, to conduct analyses in organizational development, social media, the pharmaceutical/medical industries and many other fields.

AxioMed LLC is a medical device company based in Malden, Massachusetts, specializing in the design and development of disc replacement devices aimed at alleviating neck pain and restoring normal spinal function for patients suffering from degenerative disc disease. Founded in 2001, the company was previously known as AxioMed Spine Corporation and rebranded in November 2014. AxioMed has developed the Freedom® Lumbar Disc and is also working on a project for cervical disc replacement. The company emphasizes advancing the standard of care beyond traditional fusion techniques and first-generation artificial discs. Guided by CEO Patrick McBrayer and COO James Kuras, AxioMed boasts a team with significant expertise in spinal implants, complemented by a Medical Advisory Panel of surgeons from leading spine centers and universities. The company's facilities encompass product development, testing, clinical and regulatory affairs, and manufacturing.

iCatapult is a specialized accelerator dedicated to supporting Central and Eastern European startups and technologies with the potential for global impact. The organization offers a structured accelerator program that combines financial assistance with expert mentorship. This program emphasizes lean development methodologies and provides entrepreneurs with essential global business development and market access strategies. By focusing exclusively on startups from the CEE region, iCatapult aims to facilitate the growth of these businesses, enhancing their chances of success in the international market.

G2 Web Services, LLC, founded in 2004 and headquartered in Bellevue, Washington, is a leader in merchant risk intelligence solutions. The company specializes in compliance monitoring and e-commerce risk management for acquiring banks, payment service providers, and independent sales organizations. G2's innovative Merchant Risk Platform leverages advanced web crawling, processing, classification, and modeling techniques to assess and manage risks associated with merchants' online activities. By monitoring millions of merchant websites globally and aggregating vast amounts of data, G2 has established the industry's largest e-commerce relationship map, enabling a comprehensive understanding of e-commerce risks. The company offers a suite of tools to assist in evaluating new merchants, reviewing website compliance, and mitigating risks related to third-party data compromises. G2 Web Services operates as a subsidiary of Verisk Analytics and maintains an additional office in London, UK.

AxioMed LLC is a medical device company based in Malden, Massachusetts, specializing in the design and development of disc replacement devices aimed at alleviating neck pain and restoring normal spinal function for patients suffering from degenerative disc disease. Founded in 2001, the company was previously known as AxioMed Spine Corporation and rebranded in November 2014. AxioMed has developed the Freedom® Lumbar Disc and is also working on a project for cervical disc replacement. The company emphasizes advancing the standard of care beyond traditional fusion techniques and first-generation artificial discs. Guided by CEO Patrick McBrayer and COO James Kuras, AxioMed boasts a team with significant expertise in spinal implants, complemented by a Medical Advisory Panel of surgeons from leading spine centers and universities. The company's facilities encompass product development, testing, clinical and regulatory affairs, and manufacturing.

CloudAgents specializes in global multilingual contact center services, employing an at-home workforce of over 12,000 native speakers across 150+ languages. They offer OmniChannel Front Office BPO services worldwide.

Intellio Ltd. is a privately held technology company based in Budapest, Hungary, specializing in the development of advanced video surveillance systems tailored for medium to large multi-site environments. Founded in 2004 by a team of engineers from the security industry, Intellio focuses on enhancing security measures for stadiums, retail shops, and logistics operations. Its flagship product, the Intellio Video System 4, integrates sophisticated video management software and advanced camera technology to automate the recognition of various security risk events. This automation allows security providers to respond promptly to potential threats, significantly improving incident management and overall safety.

Laboratory Partners, Inc. provides clinical diagnostic testing services for healthcare providers, including both hospitals and private practices. Laboratory Partners, Inc. is based in Palo Alto, California.

SPARTA Insurance Company is an underwriting firm that operates in the commercial property and casualty insurance market across the United States, including the District of Columbia. The company utilizes a state-of-the-art, web-based Policy Administration System that enhances operational efficiency and user experience. This advanced .NET system is designed to be easily integrated into various internal and external applications, ensuring compatibility with modern technology platforms. By focusing on targeted lines of business, SPARTA aims to streamline the insurance process, promoting speed and ease of use for its clients.

Community Education Centers, Inc. is a provider of rehabilitative services for offenders in both reentry and in-prison treatment facilities across the United States and the Commonwealth of Bermuda. Founded in 1996 and based in West Caldwell, New Jersey, the company specializes in a wide array of services designed to support individuals in their journey towards reintegration into society. These services include individual risk and needs assessments, substance abuse treatment, life skills training, educational and vocational training, mental health programs, and aftercare support. Additionally, Community Education Centers offers management services for correctional and detention facilities, encompassing operations, drug and alcohol testing, and compliance with the Prison Rape Elimination Act. The company aims to reduce recidivism by equipping individuals with the tools and support necessary for successful reintegration.

Pegasus Tower Company specializes in the management and development of wireless infrastructure, focusing on the leasing of communication sites within the Mid-Atlantic and upper Southeast regions of the United States. With an extensive inventory of over 4,300 sites, the company excels in site marketing, acquisition, and leasing services. Additionally, Pegasus Tower Company is actively involved in the development, operation, and ownership of wireless communication towers, providing comprehensive construction services to support the growth and enhancement of wireless networks.

CardioOptics is a development-stage medical device company based in Boulder.

Nebotrade, Ltd. is a Hungarian company specializing in the development and manufacturing of microbiological media, established in 1993 and operating from Budapest. The company produces a diverse range of over 200 products tailored for various sectors, including medical and veterinary bacteriology, food and industrial microbiology, and mycology. With a manufacturing capacity established in 1996 and expanded in 1999, Nebotrade can produce up to 200,000 kg of culture media annually, with batch sizes ranging from 25 to 5,000 kg. In addition to its core products, the company also develops real-time genetic diagnostic solutions aimed at identifying genetic predispositions to various health conditions. Nebotrade serves the pharmaceutical industry, leveraging its skilled technical staff to meet custom cell culture demands from its clients.

AxioMed LLC is a medical device company based in Malden, Massachusetts, specializing in the design and development of disc replacement devices aimed at alleviating neck pain and restoring normal spinal function for patients suffering from degenerative disc disease. Founded in 2001, the company was previously known as AxioMed Spine Corporation and rebranded in November 2014. AxioMed has developed the Freedom® Lumbar Disc and is also working on a project for cervical disc replacement. The company emphasizes advancing the standard of care beyond traditional fusion techniques and first-generation artificial discs. Guided by CEO Patrick McBrayer and COO James Kuras, AxioMed boasts a team with significant expertise in spinal implants, complemented by a Medical Advisory Panel of surgeons from leading spine centers and universities. The company's facilities encompass product development, testing, clinical and regulatory affairs, and manufacturing.

Bluespring specializes in software solutions that enhance Microsoft SharePoint's functionality within organizations. Their offerings include Lean View, Process View, BPM Suite, and SharePoint Visual Search, along with Rapid Process Assessment tools.

Captivate Network delivers digital news and advertising via high-resolution screens in elevators and lobbies of major office buildings across North America. Reaching approximately 5.6 million affluent business professionals monthly, it offers advertisers access to a highly desirable audience through creative, research-driven programs.

InSiteOne, Inc. specializes in medical data archiving, storage, and disaster-recovery solutions for the healthcare sector in the United States, focusing particularly on the diagnostic imaging industry. The company offers a range of services including data migration, digital medical storage, and a suite of data management solutions under the InDex brand. These solutions cater to various needs, such as the management of clinical exam data, integration with PACS systems, and the distribution of digital images and associated reports. InSiteOne also provides professional support services, hardware and software upgrades, and ensures compliance with industry protocols for digital imaging and communications. Founded in 1999 and headquartered in Wallingford, Connecticut, the company serves hospitals, radiology departments, imaging centers, and physician group practices through a network of representatives and dealers.

LogicBay Corporation provides a cloud-based partner relationship management (PRM) software that supports clients in managing their sales channel partnerships effectively. The application enhances the revenue and productivity of channel partners while minimizing associated support costs. Its features include organizational structure management, content management, marketing and communications management, lead management, social forums for sharing best practices, partner registration, management dashboards, event calendars, and reporting capabilities. In addition to its software solutions, LogicBay offers professional services such as project management, custom development, system integration, and content development, along with consulting services focused on partner programs, training, and performance management. The company serves a diverse clientele, from small and medium-sized businesses to Fortune 100 enterprises across various sectors, including manufacturing, healthcare, and government. Founded in 2003 and based in East Greenwich, Rhode Island, LogicBay was previously known as The KLI Learning Corporation and became a subsidiary of The Learning Network, Inc. in 2020.

Secant Medical Components, a division of Secant Group, LLC, specializes in advanced biomaterials and biomedical textile structures. The company focuses on developing innovative solutions for the medical device industry, providing customized components that meet specific client needs. By leveraging their expertise in biomaterials, Secant Medical aims to enhance the performance and functionality of medical products, contributing to improved patient outcomes. Their commitment to quality and innovation positions them as a key player in the biomedical sector.

Complient Corporation, based in Cleveland, is the nation's premier provider of AED programs and actively manages hundreds of corporate and government AED programs representing more than 3,000 AED devices. Complient trains lay people to save lives and prepares them to respond to commonplace medical emergencies. To date, over 250,000 individuals have been trained on AED operation and CPR by its 150 dedicated full- and part-time trainers on staff covering all 50 states in the United States. Since its inception in 1997, over $50 million in equity venture capital has been invested to develop Complient's web-based technology infrastructure and AED program management service business. For more information, visit www.complient.com.

Brainbench, Inc. specializes in providing online assessment products and services designed for employment screening and testing. The company offers a range of pre-employment screening tests, including personality assessments, aptitude tests, employment history surveys, and software simulations. Additionally, Brainbench provides consulting services that encompass assessment development, job analysis, and the creation of custom assessments tailored to specific organizational needs. Its offerings also include a Learning Center that grants online access to educational resources and training programs. Brainbench's solutions are aimed at enhancing hiring, retention, and training processes for various clients, including U.S. government agencies, universities, and individual customers. The company is committed to delivering flexible deployment options to meet diverse budgeting and employee skills requirements.

InSiteOne, Inc. specializes in medical data archiving, storage, and disaster-recovery solutions for the healthcare sector in the United States, focusing particularly on the diagnostic imaging industry. The company offers a range of services including data migration, digital medical storage, and a suite of data management solutions under the InDex brand. These solutions cater to various needs, such as the management of clinical exam data, integration with PACS systems, and the distribution of digital images and associated reports. InSiteOne also provides professional support services, hardware and software upgrades, and ensures compliance with industry protocols for digital imaging and communications. Founded in 1999 and headquartered in Wallingford, Connecticut, the company serves hospitals, radiology departments, imaging centers, and physician group practices through a network of representatives and dealers.

Rotten Tomatoes is a website that specializes in aggregating reviews for movies and TV shows from professional critics across the internet. It provides a unique scoring system, using red fresh tomatoes to represent positive reviews and green rotten tomatoes for negative ones. This scoring helps users gauge the overall reception of films and television series, facilitating informed viewing decisions. By compiling a diverse range of opinions, Rotten Tomatoes serves as a valuable resource for audiences seeking to navigate the entertainment landscape.

iWon is an online search company that operates as a destination portal and search engine, offering users the chance to win cash and merchandise prizes through casual gaming and sweepstakes. Backed by CBS, iWon provides a variety of information retrieval products across multiple websites and desktop applications. The platform engages users by allowing them to participate in daily, weekly, and monthly contests, as well as instant win opportunities, making it a unique blend of entertainment and search functionality. Through its diverse offerings, iWon aims to attract a broad audience while providing an interactive experience that rewards user participation.

Peopleclick, Inc. is a provider of talent acquisition software and services, specializing in human resource and workforce compliance solutions. Founded in 1997 and headquartered in Raleigh, North Carolina, with a data center in Slough, the United Kingdom, the company offers a range of products designed to streamline the recruitment process for organizations of all sizes. Key offerings include Peopleclick RMS, which manages employee acquisition and recruitment processes, and a Vendor Management System that facilitates staffing and project requirements. Additional solutions encompass high-volume recruiting, workforce planning, onboarding, interview scheduling, and affirmative action compliance. Peopleclick also provides tools for pay equity analysis and mobile recruiting capabilities, catering to the needs of multinational corporations as well as small and medium-sized businesses.