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I can only speak to my experience and those of my friends who have started companies. This is the kind of experience we had

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I realise theres a proclivity to be anal here but there's a lot of companies incorporated in the US every day and generally one of the first thing every business does is open a bank account. I'm not saying what you said isn't true, but I sincerely doubt it's representative. Borrowing, I agree is a different matter.

It's quite interesting in Poland, where you formally have to have a company bank account in order to register a company and banks refuse to open one for you unless you give them your company registration numbers (which you get after registration). So basically, you have to lie.

What did you have to lie about?

Did you lie about the company registration number to the bank? If so, how did it happen to match the one you were eventually assigned?

Or did you lie about the bank account number when registering the company? How did you guess the one the bank eventually was going to assign to you?

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