A nice Zinfandel. Dark, bitter, and whiney. Just the way I like my women.

Good on you for your financial institution choice. I worked for B of A, formerly Seafirst, for 10 years. Seafirst was great, local focus. B of A, not so. Had an opportunity to ask a question of Ken Lewis, former B of A CEO (who is under investigation for fraud). Asked him about expansion into outlying communities. His response was that "he was taking the bank where there were more people than cows". Only numbers matered to him, not clients. A year later after they had culled all of the people with experience out of the bank, I left on my own terms. Your average banker at B of A now has enough talent to sell you a shirt, and that is about it. Most managers and personal bankers there are from retail businesses, with no credit or lending experience.

Big banks are for sheep. If you have issues with business lending at your CU, I might be able to refer you to a reputable community bank, as most CU's don't know business banking.

I do microloans all the time, usually what I call "Flyers". These are usually small loans of $5-20,000, well collateralized, to folks who have a dream and some means to repay the loans should that dream fail. Lots of dreamers every day without a grip on reality. Those get turned down immediately. Call me the dream killer.