I would have reneged on Trump's agreement, and used the time to bolster the forces on the ground to grind the Taliban into the dirt where they belong. Then I would have left about 20,000 peacekeeping troops in Afghanistan, to allow contractors and internal structure to perform real nation-building.
When Trump signed the agreement with the Taliban in Feb 2020 to leave Afghanistan, the Taliban agreed not to attack US troops and in exchange the US would release 5000 Talibans in Afghanistan. If Biden reneged the deal to leave, the Taliban (now with a bigger force) would immediately resume attacks on US troops which would cause an even bigger backlash.
If he really wanted to just provide loans to people who normally can't get them he could have done it by risking his own cash.
They did at the start. Ant Financial started out when Alibaba found out they had a lot of liquidity because, like Paypal, people would load money into their AliPay accounts to pay for online purchase and people rarely moved the money back to their bank accounts. AliPay even gave ways for their customers to earn interest on the money in their AliPay accounts. With that much liquidity on hand, AliPay then launched their lending program to make money off the money. It was only afterwards that they expand the concept and created financial instruments with banks to loan to their customers.
This is a good time to punt work.