Large banks have the same fixed costs to fund $20,000 loans to small businesses as they do with $200,000 loans. Most big banks can’t make money on smaller business loans, so they try to satisfy their customers with commercial credit cards or even by offering business owners home equity loans on their personal property. However, many small businesses don’t want or can’t qualify for those products. This creates opportunities for alternative financing sources that offer merchants cash advanced against future payment card receivables, business loans, and inventory purchase programs. U.S.-...