To Catch An Ordinary Banker: Clip 2
This is the second of four clips that were filmed undercover. I donned a clever disguise and a pin-hole camera to see what I could learn about how small businesses are treated when they try to get financing at a local bank. There are a couple things you need to keep in mind as you watch: 1) I am deeply appalled and saddened (as any viewer ought to be) at what these undercover clips reveal. Many business owners rely on their bankers for advice and it appears, from what you'll see, that this trust is likely misplaced. It doesn't bode well for the lending industry as a whole, but please know that some lenders (read: MCC) DO know what they're doing and DO have their Clients' best interests in mind. 2) I was hesitant to put these out there for the entire world to see, which is why I sat on them for 14 months. When we taped these, we were actively working to become a national bank. Having been stonewalled by the FDIC (who only seems concerned with covering its rear-end), and with the banking crisis going from bad to worse, we decided that now is the right time to put these videos out there. 3) The date on the videos indicates that these clips were filmed in the year 2000. Actually, this experiment was conducted in May of 2008. Our film crew made a slight error when they edited the tape. You may also catch a few mistakes in the captions — again some oversight by our (former) film crew. 4) We went to five banks, but you'll find only four clips. That's because I didn't even get to ...
Tags: catch, wall, hurn, national, commercial, estate, banker, fast, the, street, guide, camera, la, sba, medium, sacramento, lending, investment, financing, orlando
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another reason why i never use banks or have taken a bank loan.. banks rip people off.. Take a 100.000 dollar loan and pay them back 400.000... banks and banker scum..
and just so you know, I am not a banker. But I was one. Just trying to point out that there is a hige difference between retail bankers in a branch office and commercial lenders.
I actually think it is unfair to ambush a retail banker in a branch environment who is not a commercial loan expert. Commercial clients make appointments with commerical lenders. Have this converation with a commerical lender and you would get a much better perspective. Branch personnel are not trained commercial lenders. Totally misleading on your part.
Totally agree w/ SEALassassin! I've watched it 3 times already & I'm still confused on which plan would work best for me! These guys are idiots!
I found it funny that they both contradicted eachother when trying to describe how SBA rates work.
It seemed like the main reason he was reluctant to go with SBA was the "paper-work" , it was his first go-to answer that didnt really sound convincing.
Chris - great job as usual. BANK - the other four letter word. These guys are clueless and probably pushing you towards the "easiest" deal for them.