Who should you talk to about portfolio loans? (credit unions & small banks)

[Mason V.]

You intend to get a portfolio loan from either a local credit union or a small bank.

Who exactly should you ask for, the average lending agent or do you want to talk to the branch manager?

Should you do this as a casual walk in sort of situation or would it be best to call and set up a more professional business meeting?

Would it make a difference if you go in as an individual asking for money or as someone representing an existing/starting business?

Is a business plan with income projections and potential properties necessary or just advised?