Re (1), I just tried to get a loan from Wells Fargo last week for a consulting business with a few hundred K in annual revenue, and it was an incredible pain in

Re (1), I just tried to get a loan from Wells Fargo last week for a consulting business with a few hundred K in annual revenue, and it was an incredible pain in the ass (multiple years of balance sheets/income statements, tax returns, trips to the bank, and all for, like, 25% of one year's profit-sized loan) -- there's truly an opportunity to disrupt small business lending, but the hard part there is capital aggregation.