Ifill — who is Black — watched businesses in her Brooklyn, New York community struggle to stay afloat, their frustrations with traditional banks front and center. It's an online banking platform — which is to say, it's a fintech startup that offers banking services fulfilled by New York's Piermont Bank, a fully-accredited Federal Deposit Insurance Corporation member. As for business loans, Guava is developing pilot programs with capital providers, from smaller community lenders to government Community Development Financial Institutions funds, Ifill says.