Shruti Patel

speaker

217 appearances 1 recordings 1 series first heard Jul 2026 last heard 29 Jul

Shruti Patel’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 1 in all, peaking in Jul 2026 with 1.

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Money Rehab with Nicole Lapin · How Small Business Owners Win in 2026 · 29 Jul 2026 podcast

You know, historically, we've always found more traditional routes.

So that's either personal capital in, you know, entrepreneurs used to invest their personal capital in

or rely on debt financing tools to really jumpstart their business or continue to invest in a very growing established businesses.

I think Gen Zs are going a few different ways.

We continue to obviously see the personal capital and debt financing, but we also see them looking for crowdfunding sources, venture capital investment.

you know, really relying on some of these different ways to interact with banks and other, you know, private credit is another example where a lot of the startup community is willing to take the risk on that front.

So definitely very innovative ways of getting access to capital than historically what we have seen.

Yes, I would agree with that.

Yeah, so we, you know, we have small business specialists and our business banking teams which work across the country, you know, with a lot of the small businesses or even, you know, the newer population which is thinking about starting a business.

We start with the fundamentals.

You know, it's so important to get the fundamentals right, which is having a really strong personal credit score.

and having some history that you can manage liquidity or cash flow successfully.

Because that gives a lot of the banks and small financial institutions sort of the confidence that even if your business goes through a few rough bumps, you have the ability to manage your cash flow in a very disciplined and measured way.

We also make sure that, you know, our bankers work very closely with a lot of these startup entrepreneurs to help them with verifiable documents.

You need to have very comprehensive and well-documented tax returns because that tells us the history of your personal financial wealth.

So I would say there are a few ways, you know, having a great tested product concept is important before you are starting a business.

But in addition to that, I would also say, you know, work with your banker on making

figuring out what your cash flow held, your personal credit held, your liquidity held, whether you have tax returns and other financial statements readily available.

I would also say, look at all of the different facilities available, whether that is the SBA lending facility, which the government provides to a lot of small businesses who are growing

their businesses, or, you know, starting with a small start alone, you know, something really small to jumpstart a proof of concept or product.

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