When Kerry Passick's growing business needed a new building, he says he got real experienced with a bank. The problem, he said, was that for them to make a decision took forever. When the building project went over budget, they were sitting in their committee and told him they had it handled, and go ahead and pay the bills. He did. And then his bankers told him not to write any more checks. Both his personal and business accounts were tied up for 4 weeks, while the bank deliberated.

Loan approval procedures