It depends on your business model. Mine wasn't a straightforward buy-a-thing-sell-a-thing model and this makes small business banking heads kersplode with great ferocity, it would seem.

"What is it you do again?"

"{{explanatory_statement}}"

"... so, um, what products are you going to sell?"

Annnnnd because my turnover is less than $ferrari, I'm always flicked to a small business banker. If I needed a loan for a commercial deep fryer I'd be talking to the right person.

St George belongs to Westpac now, FWIW.