In 2019, after completing her postgraduate work in dentistry in Mangalore, India, an entrepreneur decided to set up a chain of clinics in Bengaluru, in the Indian state of Karnataka. She was not considering any partnerships for her venture, which she planned to fund with personal capital and a bank loan. The entrepreneur consulted her long-time friend, an independent business consultant, who introduced her to the manager of the Indian government-owned Syndicate Bank. The bank agreed to review her detailed financial and marketing plans, and consider funding the venture. The independent business consultant offered to help with the task of financial forecasting for the development of a marketing plan to increase foot traffic to the proposed clinics.