My boss, who had been a commercial lender for over thirty years,
said the best loan customer is one who has no passion whatsoever,
just a desire to work hard at something that looks good on a spreadsheet.
Maybe the loan customer wants to start a dry-cleaning
store or
invest in a fast-food
franchise—boring
stuff. That’s the person you
bet on. You want the grinder, not the guy who loves his job.