The old image of a small business owner sitting in a mahogany-paneled office, hat in hand, waiting for a local bank manager to approve a loan is officially a relic. For most American entrepreneurs, that version of reality never actually existed anyway. Today, the struggle is much more digital but no less frustrating. Traditional financial institutions have spent the last few years pulling back, tightening their requirements, and making the process of securing small business lines of credit feel like an Olympic sport where the hurdles keep getting taller.Well, this is where the fintech revolution actually matters. Digital lenders are…