The increasing popularity of employee ownership in businesses is a growing trend, with banks playing a crucial role in facilitating these transitions. The podcast explores the complexities of ESOPs, co-ops, and the role of banks in supporting these transitions. The podcast features interviews with experts like John Heltman, the Washington Bureau Chief at American Banker, and Pat Berberich, the manager of Waverly Ace Hardware. The podcast also discusses the differences between ESOPs and co-ops, highlighting the need for companies to align their structures with traditional business models. ESOPs are larger and often conversions from traditional models, involving external capital to facilitate the transition. Co-ops are smaller, with employees contributing capital to establish the business as a cooperative. The podcast also discusses the challenges faced by worker cooperatives, such as limited tax advantages and difficulties accessing loans from banks.