Following the financial crisis of 2007–2009, Congress passed the Wall Street Reform and Consumer Protection Act, also known as the Dodd-Frank Act. The act increased regulation of the banking system, and from 2010 to 2016, regulators approved only five new banks, which was not enough to offset the closure of existing banks. According to the article, “Community bankers say the decline in the number of banks has led to fewer lending options for startups and small businesses.” Why might startups and small businesses be more likely to rely on banks for funding than would large corporations?