Many banks are so conscious of their reputation in the local community that they don’t want to be known for refusing requests for commercial loans by respected community residents. One alternative that many of these banks have adopted is the art of never saying “no” in such commercial financing situations. What they do instead is to attach onerous conditions when they say “yes”. In most cases the bank doesn’t expect the commercial borrower to accept the conditions, and therefore the bank has avoided making the business loan without saying “no”. Two examples of a bank saying “yes” when they mean “no” are included.