lets look at some petential sources of funding for your company,

the bank I use for my commercial account wants me to submit a loan application.

a commercial bank is one funding source,two others we might consider are investment banks and joint ventures.

lets look at the commercial bank first,I mean I already have a relationship with them.

that's a big advantage,

they know my track records.

you can use your past relationship to build rapport and establish

an ongoing relationship.

I like working with them,they have gotten me through a few rough spot.

once you've established a line of credit,

which we have,

once you have established it,you're elegible for a short term loan,

that's a big plus,right there.

you bet,you never know when you might wind up short on cash.

I have been down that road.

is there a disadvantage of borrowing from a commerical bank

generially it costs more,commerical banks have a higher interst rate.

so the disadvantag is a higher interest rate.

there is a high cost of funding with a commercial bank,

I cann' handle a high carring cost.

talk to your bank,negociate a low rate.

they might work out something,

sure,they want you as a customer.