You may have experienced a positive bank lender that built up your hopes only to be denied after a lengthy process.  We have seen it too.  Banks have been regulated and uncertain over lender policies.  Of course the loan officer would like to approve the application, but they don't have options of another lending source.  You can't afford the distraction to your business and the lost time.  Our time is even more critical since there is no salary, only an income when we close our deals so you get an honest assessment.