
Financial Services
Main Street's New Capital Stack: Where the Money Sits
Community banks funded Main Street for a century; fewer than 4,000 remain. See the six-lane capital stack that replaced them, and how it prices speed.

Community banks funded Main Street for a century; fewer than 4,000 remain. See the six-lane capital stack that replaced them, and how it prices speed.

The community bank collapse erased a hundred-year model of relationship credit. The choice is not between alternative funding and bank funding. It is between alternative funding and no funding.

The internet expanded reach and invented crowdfunding. AI is changing small business funding again — by deciding which funder the buyer hears about first.

Only 1 in 10 small businesses gets a loan from its own bank, per the SBA. FundKite approves $100K to $2M in hours. Alex Shvarts on the Main Street capital gap.