I'm a loan officer for a regional bank. You are a restaurant operator who wants to re-capitalize his balance sheet. You tell me you're tired of doing patchwork deals to open restaurants. I tell you I like your restaurants. My wife and I always order the walnut-crusted salmon. I also mention you'd make a great bank customer. Your annual cash flow allows us to give you favorable terms. But we have a problem. Did you read the fine print on the loan agreement with your biggest lender? It
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