As a Business Banker, I deal with businesses of all types all day long. One thing that I see all businesses share in common (sole props with $0 to my millionaire attorney accounts) is that they all can use access to cheap money to grow their business. This comes into play for things such as cash flow to meet deadlines when receivables are taking too long to be paid and even purchasing equipment. The sad truth is that many people usually put off the importance of this until "tomorrow" but when they need the $, it is like they needed it from since "yesterday". I cannot stress the importance of having a good relationship with the bank?