Conventional loan interest rates are controlled by the Federal Reserve System; it gives the government some control over banking.

One of the Fed's tools to control the economy is the reserve requirement. This is a percentage of deposits that all banks must hold in reserve and cannot loan out. If the Fed is concerned about inflation and wants to cool down the economy, it does so by increasing the federal funds rate, as a result, the banks charges higher interest rates, which in turn, makes it more difficult for their customers to get qualify for a conventional loan.

Major Banks requires a solid operating history before engaging in a loan or leasing agreements. We have a large network of lenders that offers special programs that Banks don't offer. We make it fast and simple for our clients so they can concentrate on doing what they do best, their business.