Merit could approach jpmorgan chase,a bank that had served merit well for many years with seasonal credit lines as well as medium-term loans. Lehn believed that JPmorgan was unlikely to make a $4 billion loan to merit on it's own,but it could probably gather a group of bank together to make a loan of this magnitude. However, the banks would undoubtedly demand that merit limit further borrowing and provide Jonathan with periodic financial disclosures so that they could monitor merit's financial condition as it expanded it's operations