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I wondered the same... Smaller local banks are much more "friendly to small business" if they have good credit. . Big nation-wide banks are handy when you are in multiple cities or travel a lot.

I am in a bind! There are limited lines of credit. I have A/R lists that extend into 180 days. These are contracts (transportation business) that large corps hold and that trickle down effect has not reached me yet. So in the meantime what do I have to do to keep my reputation is to well find a way to pay my vendors so I keep my credit and good standing. It is great when you make a sale but to not get paid for it and then have to pay sub's well that is why my credit is being used. And consequently since I have a large revolving balance any and all of my new needs fit into the new higher rate structure.

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