Welcome to IBA . What can we do for you ?   It's a bit of a problem situation , actually ... you see , our company has a Corporate Account with you , but unfortunately , we've been experiencing cash flow problems recently .   I'm sorry to hear that . We value all of our customers , regardless of circumstances . What can we do to help ?   We are going to need a loan . I'm not sure what loan is suitable for us , though .   If you think it will be very short-term , I would recommend you go with the 60 - day loan . Then it can be paid back quicker , so you won't have to consider it in the future .   That seems like a good idea , it's for wages , you see . 