One meme is businesses launching on paypal, transacting a lot on week 1 and getting frozen for being a suspicious newcomer - also variations on that. For many t

One meme is businesses launching on paypal, transacting a lot on week 1 and getting frozen for being a suspicious newcomer - also variations on that. For many types of business (eg retail), that's a cash flow showstopper. Banks' solution to this sort of thing is low tech. Have a local banker talk to you, maybe pay a visit.