. >> jeff baucus is chief lebding officer at the local synergy bank.e remembers being very impressed. >> she's thought about this. she's thought about where she's wanting to go, how she's wanting to grow and expand. >> even though i was incredibly anxious, and i think that he had to have respected the fact that i was prepared. i knew what i wanted. i knew what i needed where, >> her key advantages were the fact that she was going with a franchise. she had a down payment that was suitable for the business type that she was going into. she had additional liquidity. she had some collateral to put up on the loan. >> my bank took a huge leap of faith with me. i'm fortunate to find the bank that i found. i applied to 25 banks before i got a yes. >> another factor may have been that it was a community banc. they were willing to meet her personally and factored in assets that larger national banks might have ignored. >> she had firsthand knowledge of the area and had a plan to go out and make her business successful that i don't believe would have come across