In this conversation, Heidi and Noa discuss access to capital for small business owners. They explore the challenges and misconceptions surrounding access to capital and the different types of capital providers. Heidi shares her experiences as a lender and a business owner, highlighting the importance of character and behavior in the lending process. They also discuss the role of pitch competitions and the need for alternative lending solutions. Noa introduces GoodBread, a small business lending company, and discusses their approach to lending and their goal of providing fair rates and building trust with borrowers. They also touch on the future vision for GoodBread and the importance of resource acquisition for business growth. Learn more about GoodBread, a small-business lending startup making character-based loans, coming soon: https://goodbread.net/ Saratoga Book Festival Presents Gossip Girl Brunch with Cecily Von Ziegesar: https://secure.givelively.org/event/friends-of-the-saratoga-springs-public-library-inc/gossip-girl-brunch-with-cecily-von-ziegesar?utm_source=substack&utm_medium=email Noa's Spreadsheet: https://brightsighted.ck.page/b680484280 ⇩ Find Catherine ⇩ Instagram: https://www.instagram.com/catherinehover/ Palette Co-Work Community: https://www.instagram.com/thepalettecommunity/ Paint and Sip: https://www.instagram.com/saratogapaintandsip/ Learn more about your ad choices. Visit megaphone.fm/adchoices