Our practice loan, that is. The one from the bank we wanted to work with. For the full estimated amount of our practice, including working capital. Without any crazy strings attached like the other place.
Bank of America? Kiss my ass. You crazy-ass stupid mother-f-ers. You have NO idea what you missed out on. I. HATE. YOU. And your stupid phone interviews. Which ask questions not even PERTINENT to our future practice. You will NEVER, EVER, have my business. In fact, I fart in your general direction. I hope you go under, and go under BAD, and all of your employees see the light and go over to Stillwater National Bank (or whatever they're known as after their recent merger) where they would be welcomed with open arms and hopefully train the stupid right out of them.
THANK YOU GOD.
This has stressed me out to no end recently, not knowing if we were going to get approved for our full amount. Another bank, Matsco, had offered us about 60% of our estimated costs, which we could have just possibly BARELY squeaked by on, and had some outrageous requests. Prior to that, Bank of America wouldn't touch us with a ten foot pole. And we are about the most sure bet for a small business that you could possibly have! Especially if you look at the demographic analysis that we have been studying for the last 3 years. AND the rate of growth that we are expecting. Did B of A ask for any of that information? No. What idiots. Thank God for Alex from Stillwater. He took his sweet-ass time, don't get me wrong, but he came through for us in the end, and that's all that matters.
BUT, due to the fact that he took so long, we're now right up against the wire on our projected schedule, and will be thisclose to opening on our date that we've had picked out.
Since that happy phone call this afternoon, I've been on the phone with: our commercial real estate agent, our commercial real estate attorney, our architect of choice, our Patterson dental rep (and overall dental practice building guru who we couldn't live without), and our insurance agent. I've sent out roughly two dozen emails in the last two days, this is gonna be a crazy sprint towards our finish line, but it is going to be fun as well as stressful, I think. Bottom line is, maybe I can finally finish popping Pepto tablets like mints. Maybe not. I may have an ulcer by the end of this, or some chronic puking disorder, but it could maybe help with some much needed weight loss, but oh well.
And if Glynn and I get through this without killing each other? Then that's just a bonus.
I'm just kidding (sort of ). Now that the financing has come through, I think it's going to get better between us and stressing each other out. Now comes the fun stuff! We get to start picking out equipment and designing our practice! Hiring staff, firing staff, finding the right "fit" for us and our people.
I can't wait.
But just ignore that economy-sized bottle of Pepto in my purse for the next 5 months. And the accidental Tourette's-ish cursing outbursts. And the cold sweats, shaking hands, and projectile vomiting.
It shouldn't last too much longer. Love to you all who have supported us through this and will continue to. (Sense the heavy-handed hinting here, people. Sense it.) Also? Offers of baby-sitting so Daddy and Mommy can make business decisions and meetings and yell at contractors will always be appreciated.
Love you ALL, and we'll find a way to compensate in the future. 2-for-1 fillings, anyone?
*smooch*
*bear hug*
*projectile vomit in corner*
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