Ahmande Grimes, owner of Spartan Financial, a financial services broker, poses for a portrait Monday, May 24, 2021, in Nashville, Tenn. When Grimes applied for a relief loan through his two traditional banks during COVID-19, the process seemed as complicated as applying for a mortgage. When he turned to an online lender, his application was quickly accepted and sent to the SBA. As a result, Grimes is considering a complete move to online banking, not just for borrowing. (AP Photo/Mark Humphrey)

Ahmande Grimes, owner of Spartan Financial, a financial services broker, poses for a portrait Monday, May 24, 2021, in Nashville, Tenn. When Grimes applied for a relief loan through his two traditional banks during COVID-19, the process seemed as complicated as applying for a mortgage. When he turned to an online lender, his application was quickly accepted and sent to the SBA. As a result, Grimes is considering a complete move to online banking, not just for borrowing. (AP Photo/Mark Humphrey)