after a rapid growth in its business during recent years,the butler lumber company in the spring of 1991 anticipated a further substantial increase in sales.despite good profits,the company had experienced a shortage of cash and had found it necessary to increase its borrowing loan that suburban national bank to 247000 in the spring of 1991.the maximum loan that suburban national would make to any one borrower was 250000 and butler lumber had been able to stay within this limit only by relying very heavily on trade creditin addition suburban was now asking that butler lumber secure the loan with its real property mark butler sole owner and president of butler lumber company was therefore looking elsewhere for a new banking relationship where he would be able to negotiate a larger and unsecured loan