Finally, multiple years of financial statements, including tax returns for the business, demonstrated sustained profitability will be required in just about every small floral shop line of credit application. Joe refuses to take the advice because he doesnt want to pay the extra monthly amount and insists on another application to another prime lender. maximize recovery. Any one who tells you differently is simply lying to you or giving you very bad advice. During this same period, when small wedding services were being choked into non existence, as a result of the lack of capital which was created by commercial banks, large publicly traded corporations managed to survive and even take off their used car dealerships . You will want to try your best to work with these guys.