05/04/2013 11:08 am ET

Y Combinator: How The Top Start-Up Creator Works

Edward, Wikicommons

Michelle Crosby, an energetic 37-year-old lawyer in Boise, Idaho, applied for a loan last November from a local bank, Western Capital. She proposed to use the money, $10,000, to help start a new business, Wevorce, which could be described most reductively as an H&R Block for divorces.

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