Charles Cosgrave, the chief executive of Village Vets, is unfailingly polite, unassuming and softspoken. That is, until you mention banks. “Anytime we went to the banks, it was very much cap in hand. And they were always saying, ‘Why are you mucking around with puppies and kittens? Why don’t you go to cattle and horses? That’s where all the serious vets are’,” Cosgrave said. “When you’re having that level of conversation across the table, it’s very hard to be taken seriously and very hard to be able to scale the business.” By the time Cosgrave went to his lender, he…

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