Although I have not read Jeff Sand's book, I can tell you that in general small community and community regional banks are much more willing to work with customers when issues come up then much larger institutions in general, although there are some larger institutions that work with their clients when they have problems quite well. However, that same rule does not necessarily apply to SBA lending. SBA lenders are restricted in what they can offer when a work out comes into place based on what the SBA rules allow and what the SBA will approve. So whether you are with a large SBA lender or a smaller SBA lender, you might find your treatment much similar just because the lenders are restricted in what they can do in workout. Now, if you are having some troubles and need some payment deferments, most lenders will work with you on that, but you might find a bit more cooperation in the early stages of trouble from a community bank lender as they are going to be easier to get ahold of and there is quicker path to management that makes the decisions. I hope this information helps. I would be more than happy to talk in more detail how lending works at any time at redacted