All banks specialize in assisting certain types of businesses. Never promise any products or services to a client that you know you cannot deliver because of internal operations limitations. It is always a temptation to tell a potential customer you can give them exactly what they want even when, in reality, it might not be possible. But the best relationship will blossom when you are able to give them more than they expected, not less then they were promised. The Customer Has No Future Growth Potential.
Many small businesses are moderately successful.
They pay their bills on time, turn a small profit and have a steady stream of consistent business. This does not necessarily mean, however, that they will be good customers for your bank. Your growth is based on the customer's growth. But in some cases, a business has no opportunity for growth or, in fact, no desire to grow beyond its existing revenue. Ask the customer what the future plans are for the business.