When most worker coops begin, their concerns are – will we be able to compete in whatever community niche we want to serve? How many people do we need to run the coop? How horizontal or vertical should the division of labor be? How much shall we pay each other? Should we have a union? At least until recently, it is rare the question will be raised like “how likely will it be we get a loan from the banks if we need one?” Because many coops did not consider the last question, they received a cool reception from banks, which are, of course, capitalist institutions. That’s when the organization Seed Commons
emerged to fund coops.