Small business should use small banks. Community Banks are awesome and did a fabulous job until the money dried up. I am sure those loans in the pipeline will be submitted or submitted again before the ink is dry.
Yeah, my business account was stupidly with Chase. That meant between 0% and 0% chance of getting a SBA PPA or EIDL Loan. Required 3 years of banking with them.
Most credit unions around here (Denver) required an banking relationships going back 2 years.
Laid-off 5 1099 project-based contractors.