We are not a bank or a lender. When you apply for a loan at a bank, the people evaluating your creditworthiness have a fiduciary responsibility to the bank and its stockholders to protect the bank’s money. That means they often look for ways to turn down loans, as opposed to looking for ways to make the loan. When you apply for a loan at a bank, you are applying to just that one institution, which may or may not be the right institution for the type of loan you need. As a result, qualified businesses and individuals often get turned down because the bank doesn’t understand the business or feels the industry is simply not one, they wish to invest in.