How to get loans when starting-up a new smallscale business? why are lenders willing to give their money?

Like how an unlisted business in south-east Asia called Zilingo started up with 60,000 dollars and now is a $1 billion dollar business!!? "the Singapore-based company said it raised $US226 million from investors including Sequoia Capital and Temasek Holdings"... show more Like how an unlisted business in south-east Asia called Zilingo started up with 60,000 dollars and now is a $1 billion dollar business!!? "the Singapore-based company said it raised $US226 million from investors including Sequoia Capital and Temasek Holdings"  https://www.techinasia.com/zilingo-mobile-ecommerce 

https://www.afr.com/news/world/asia/how-a-27yearold-built-1-billion-fashion-startup-zilingo-in-southeast-asia-20190213-h1b6su
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