Ep. 368 | When Banks Say No: Unlocking Alternative Funding for Small Biz Startups
In this episode of Small Biz Florida, recorded live at the 2025 Small Business Success Summit in Tampa, host Tom Kindred is joined by Boyd Karen, founder of Otro Financial, to discuss one of the biggest hurdles facing small business owners: access to funding. After launching or acquiring eight businesses of his own, Boyd discovered just how hard it is to secure loans—especially those under $350,000—from traditional banks. That frustration led him to start Otro Financial, a company that helps entrepreneurs secure unsecured loans based on personal credit, without collateral or years of business…
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