Private companies and banks see coops as the devil [for very obvious reasons] and fight them using regulatory capture and not engaging in business with them. It's pretty well-known in the coop world.
Coops sometimes mitigate this disadvantages by networking with each other.
Coops and startups are in different categories. It doesn't make sense to lump them in to the same group here, though I understand we are on a very techie-oriented forum.
Coops sometimes mitigate this disadvantages by networking with each other.