DO BUSINESS WITH SOMEONE ELSE...PLEASE....I am a veterinarian, in practice for 33 years. Took a loan about 15 years ago when I was younger and building business. Earlier, I had few options for loans. Today, we are a large practice. Went back to them after some years to get working capital for an expansion. ABSOLUTELY TERRIBLE. Bait and switch. Borrow the money from the mafia...they will have better terms. They attempt to force you into what you NEVER ASKED FOR. When you question them, they stutter and give you some BS answer that doesn't make sense. DO NOT DO BUSINESS WITH THEM....you will thank yourself later, I assure you .