[wayne]

Examples: (1) One reason SVB did well is it understood startups. If your startup just raised a large round and needed a small loan, you were more than good for the money, but most banks would scoff because your business didn't have a long record of profits. (2) The "simple" thing of having a no-fee, no-minimum checking account with a convenient ATM you can use without fees is something we can take for granted in larger metro ares; in many places your local regional bank may be your only choice.

[mym1990]

Why would a startup need a small loan after raising a large round?

[hedora]

- Corporate expense cards

- Amortizing real estate costs into the future to get to a stable cash flow.

- Rainy day funds

(The last one is a risk to the lender, but can be low risk and profitable on average for the lender, as that part of SVB was.)

[eddsh1994]

Before the money is actually in the bank but is reliable because SVB partners with the VC firm responsible for leading the round who vouches?