Don’t just show up in person – first make an appointment by phone. Ask the receptionist in the bank or the loan department for the name of the appropriate person who would handle your loan request. Of course it would be better, but not necessary, to get a referral from a friend or advisor such as your lawyer or accountant.

When you get the name of the appropriate bank officer simply ask for an appointment. Don’t offer any more details over the phone, unless the bank officer requests them. The more details you offer over the phone, the greater the chances you won’t get the appointment at all. Sound confident. Sound matter of fact. Sound like you don’t even need the money – that’s the kind of person that bank likes to lend to.