Upstarts Crash Wall Street’s $7 Billion Capital-Markets Party

When Twitter Inc. was looking to raise $1 billion from investors earlier this month, it put out the usual calls to Wall Street banks.

The social-media company also called Vijay Culas, who works out of rented office space on a busy stretch of highway in San Mateo, Calif.

A former Goldman Sachs Group Inc. banker who hung out a shingle in 2014,…

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