Open Letter to Banks & Financial Services

Title: Value Our Future, Not Just Collateral

Dear Banks & Financial Services Wale Bhaiya,

You love clients with property papers, fixed deposits, 10-year balance sheets. Humare paas? Patents, prototypes, passion. Aur aap kehte ho: “Collateral lao.”

We walk out of your branches like rejected suitors. Why? Because your risk models look backwards. But startups are about the future.

Example? A startup wanted a 25 lakh loan to scale a mushroom farm. Bank manager asked, “Land kis ke naam hai?” Founders said, “Hum rent pe le rahe hain.” End of discussion. Dream khatam.

In mature markets, “venture debt” exists. In India, we jugad between angel equity and family gold loans. Aur phir aap bolte ho: “Why don’t startups grow big?”

We need flexible accounts that can handle sudden forex, messy cap tables, fast growth. Not current accounts that behave like they’re allergic to risk.

🎬 Filmy Mic Drop: “Hero ko bhi producer chahiye hota hai. Aap producer ban jao, sirf moneylender mat bano.”

Sincerely,

An Empty-Pocket Startup Founder