Perhaps you’re not especially enamored of your banker right now. About 70 percent of banks recently tightened their standards on loans to companies with less than $50 million in annual sales, according to a survey by the Federal Reserve, and more than 40 percent of the banks reported reducing credit lines for their small-business customers making Bankers out of small business and having to collect commercial accounts. Unfortunately, no business can afford a rift with its banker — especially in tough times like these. In fact, this is precisely the time to give your lender some special attention. “If you work on building a relationship, then, in the event that there is a bump in the road, you can approach it from a position of familiarity and understanding.
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