Most people have that one small business they claim is their favorite spot, whether it’s a café, boutique or specialty store, the location offers services big-boxed stores or chains may not. While these small businesses make hometowns unique, banks view them as a financial risk. Why not capitalize on the loyalty of customers? That’s what the minds behind ZipCap, a small start-up in San Diego are testing, the New York Times recently reported.  ZipCap....

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