Inquiring about such loans also provides a clue as to the bank’s overall attitude. “old school” banks will probably hold firm to the adage that banks should match the maturity of their loans to the maturity of liabilities, or deposits. While this makes good sense financially, in general, it can be taken too literally, to the detriment of developing firms that need help.
A prospective bank or branch should also be screened with respect to the types of business loans it makes.