I applied for a business property loan. Without going into gory details, the agent lead me on for weeks and weeks. I needed an answer so I could make an offer. Finally. he said the income wasn't enough. I have a high credit rating and no credit card debt and plenty of disposal income. The answer was preposterous. The thing that is really causing me to write this is the fact that they could have saved me a lot of time by letting me know a lot sooner. I gave them all financials weeks ago. They had no sense of urgency whatsoever.