Your company is growing, entering new markets, developing and supporting new products and services. Cash is tight and getting tighter each month. For most business people, a visit with their banker is in the same category as a trip to the dentist. Necessary, but not something to which you look forward. Even though you have exactly the kind of company the bank advertises it supports, a successful, locally-owned small business, you are wary and unsure of the bank's commitment to your company.
Banks possess a forbidding mystique that can intimidate even the most experienced business person.
Your meeting with Mr. or Ms. Banker seems to go well. Three days later you get a call from the bank. The loan committee has denied your request. No, go back to a bank, a different bank this time, and go prepared. You can try your original bank again, but first impressions are hard to overcome.