In a carefully nuanced speech last week welcoming federal treasurer Scott Morrison to his company's fintech hub, Jost Stollmann, chief executive officer of Tyro Limited, quietly hinted Tyro would soon be making small business loans.Loans would be funded by the eftpos payments running through the Tyro system, made possible, Stollmann said, because last year APRA granted the company a full banking licence to accept money on deposit and offer loans. "This was an Australian first," he said. "Never in this country had a banking licence been granted to a technology company."That was in August 2015. Since then, Tyro has been working on the soft launch of its suite of deposit and savings programs. The deposit product testing is well underway, Stollmann said. To get further insight into what its target audience wants- and to play for access to a wider audience - Tyro has worked with the widely used small business accounting software firm Xero."The solutions enable Xero users to make their banking frictionless or 'beautiful' - in their language," Stollmann said.The core market for the combined Xero-Tyro suites of products comprises the 550,000 small businesses that accept eftpos or take credit and debit card payments. This puts the potential market size for the combined business bank lending venture at one quarter of all small businesses.