Jay: Who's your buddy? I worked at Wells six years prior to coming over to US Bank.
We have a few revolving credit lines in the $100K range with US Bank. On the whole they have been good to work with.
My input would be- More inportant than getting a loan, is who your gettin it from. Most likely you will be working with that co for a while and if they are retards it will make life hard to concentrate on getting your biz off the ground.