Tip #3: The (self) chosen few is the way that I like to think of that select group of national banks that does more than just talk about their interest in backing start-up companies and talking about what they CAN do. Their loan officers are out there--even in today's arctic credit climate--aggressively launching new products and actually approving loan deals. In order to tell if a big bank belongs to this limited group, look for new products that demonstrate commitment to the credit and money challenges of today. For some companies that qualify for certain banks, they may preapprove a leasing line of credit up to $50,000, even before any equipment has been purchased. Pretty cool, eh?