- Get your financial house (and documentation) in order.
- Tell your company’s story.
- Go local.
- Look at alternative financing for short-term needs.
I’d amplify point 2 – presentation counts! Don’t be shy about polishing your story up and including your narrative that may not be flushed out in the loan application Q&A. When complete, deliver it in person to your bank officer … that you have a personal relationship with, right?