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.

Appearances

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

And the last one is, you know, always test your product before you take a big scale.

That's a good, that's a personal advice we give to all of our small business entrepreneurs.

Businesses do have a credit score.

It's less about, it's more about KYB.

So, you know, that happens more once the business is established and growing.

We try to make sure that this is a legitimate business.

It's, you know, we understand better the products and services it is providing and the health of the business through its tax returns and cash flow statements.

So that's more for established businesses because that gives us more view into the health of the business once it has started.

But for somebody who's starting a business, the personal credit score plays a much more bigger role than for somebody who's already had a business.

Really measuring and keeping a close eye on your personal credit score.

Yeah, I would say for anybody who is thinking about entrepreneurship or thinking about starting a business, it is really important to keep a really good eye on your historical personal credit score.

You know, having comprehensive documents is really, really important.

So many times in our day-to-day operations when small businesses enter our branches or talk to our small business bankers, they are actually quite surprised by the requirement for comprehensive documents, whether that is their tax returns, cash flow statements.

Their own personal credit score.

And so I would say, you know, it's really important for small businesses to keep an eye and continue to measure that with discipline.

It is not easy.

But we also want to make sure that the small businesses who are essentially looking to access working capital or apply for a loan, we want to make sure those businesses are healthy.

They're not high risk and there's not much volatility.

And that we have confidence on those small business entrepreneurs to actually manage their cash flow more efficiently.

Of course.

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