Not only do small businesses in America struggle with irregular cash flow, marketing budget, and working capital, they also n ... eed to provide strong collateral, high credit score, and down payments when applying for an SBA program. Oh, hang on! The challenge early-stage startups face in the venture capital world is beyond endless pitching, lengthy process, and lower approval rate, which can sometimes be less than 10%, they also suffer from equity dilution, loss of position, and ownership control. Bank of Saints is a digital bank that allows small businesses and early-stage startups to raise funds without the hustle and bustle of banks, venture capital firms, PPP, or SBA programs. read more