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I'm not sure that bootstrapped businesses have a lower risk profile, at least depending on what the other business views as risk.

VC backed companies have a route to capital and lines of credit if they tank. What is Brex/Vouch going to do if your bootstrapped business tanks? Take your house?

That's a good point, and bootstrapped businesses (in the US at least) are generally incorporated in a manner that protects personal assets, so the provider would not even be able to go after the owner's house in most cases.

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