Be wary of people who say they have started their own business; they start fights!
Atom Bank was founded in Newcastle, much of the original investment came from the NE and they are now employing 300 people in Durham. They started it because they wanted to create prosperity in the North East (even though it would have been easier to start the bank in London). It took them 1 year to do a business plan, 1 year to license, 1 year to start to trade. Atom Bank has been a licensed bank two years now and lend funds to small businesses and provides residential mortgages.